| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GA SOLUTIONS LLC3 Filed as: CT SOLUTIONS LTD | 3660 SOUTH GEYER ROAD SUITE 200 SAINT LOUIS, MO 63127 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $42K | $5K | $47K | 2.88% |
| CT SOLUTIONS DBA SONUS BENEFITS3 | 3660 SOUTH GEYER ROAD SUITE 200 SAINT LOUIS, MO 63127 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | $8K | $23K | 19.55% |
| CT SOLUTIONS DBA SONUS BENEFITS3 | 3660 SOUTH GEYER ROAD SUITE 200 SAINT LOUIS, MO 63127 | DELTA DENTAL OF MISSOURI | $7K | $125 | $7K | 11.32% |
| CT SOLUTIONS DBA SONUS BENEFITS3 | 3660 SOUTH GEYER ROAD SUITE 200 SAINT LOUIS, MO 63127 | ADVANTICA INSURANCE COMPANY | $1K | — | $1K | 8.94% |
| CT SOLUTIONS DBA SONUS BENEFITS3 | 3660 SOUTH GEYER ROAD SUITE 200 SAINT LOUIS, MO 63127 | SUN LIFE ASSURANCE COMPANY OF CANADA | $200 | $137 | $337 | 16.88% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 92 | $1.7M |
| Dental | DELTA DENTAL OF MISSOURI | 203 | $62K |
| Vision | ADVANTICA INSURANCE COMPANY | 161 | $13K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 141 | $120K |
| Short-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 141 | $122K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 141 | $120K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 141 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.