| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GA SOLUTIONS LLC3 Filed as: CT SOLUTIONS LTD | 3660 S GEYER RD STE 200 ST. LOUIS, MO 63127 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $654K | $1K | $656K | 2.92% |
| CT SOLUTIONS DBA SONUS BENEFITS3 | 3660 S GEYER RD STE 200 SAINT LOUIS, MO 63127 | SUN LIFE ASSURANCE COMPANY OF CANADA | $87K | $40K | $127K | 7.32% |
| GA SOLUTIONS LLC3 Filed as: CT SOLUTIONS LTD | 3660 S GEYER RD SUITE 200 ST. LOUIS, MO 63127 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $49K | $12 | $49K | 3.09% |
| CT SOLUTIONS DBA SONUS BENEFITS3 | 3660 S GEYER RD STE 200 ST. LOUIS, MO 63127 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | $9K | $23K | 21.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE ASSURANCE COMPANY OF CANAD EIN 81-0170040 | Other fees; Claims processing Service code 12 | 2323 GRAND BOULEVARD KANSAS CITY, MO 641082670 | $119K |
| CT SOLUTIONS DBA SONUS BENEFITS | Other commissions; Insurance agents and brokers Service code 22 | 3660 S GEYER RD STE 200 SAINT LOUIS, MO 63127 | $29K |
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 | 1,157 | 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) | 1,157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 1,046 | $24.0M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 72 | $103K |
| Vision(2 contracts) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 1,046 | $24.0M |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,157 | $1.8M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,157 | $1.7M |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,157 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,157 | — |
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."
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.