| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GA SOLUTIONS LLC3 Filed as: CT SOLUTIONS LTD | 12213 BIG BEND BLVD ST. LOUIS, MO 63122 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $478K | — | $478K | 3.64% |
| THOMAS F. MENGEL3 Filed as: THOMAS F MENGEL | 12213 BIG BEND BLVD KIRKWOOD, MO 63122 | UNION SECURITY INSURANCE COMPANY | $19K | — | $19K | 4.00% |
| CT SOLUTIONS DBA SONUS BENEFITS3 Filed as: C T SOLUTIONS DBA SONUS BENEFITS | 12213 BIG BEND BLVD KIRKWOOD, MO 63122 | UNION SECURITY INSURANCE COMPANY | — | $10K | $10K | 2.10% |
| THOMAS F. MENGEL3 | 12213 BIG BEND BLVD KIRKWOOD, MO 63122 | UNION SECURITY INSURANCE COMPANY | $23K | — | $23K | 6.00% |
| CT SOLUTIONS DBA SONUS BENEFITS3 Filed as: C T SOLUTIONS DBA SONUS BENEFITS | 12213 BIG BEND BLVD KIRKWOOD, MO 63122 | UNION SECURITY INSURANCE COMPANY | — | $10K | $10K | 2.58% |
| CT SOLUTIONS DBA SONUS BENEFITS3 | 12213 BIG BEND BLVD KIRKWOOD, MO 63122 | UNION SECURITY INSURANCE COMPANY | $23K | $7K | $31K | 15.11% |
| CT SOLUTIONS DBA SONUS BENEFITS3 Filed as: C T SOLUTIONS DBA SONUS BENEFITS | 12213 BIG BEND ROAD KIRKWOOD, MO 63122 | UNION SECURITY INSURANCE COMPANY | $3K | $7K | $10K | 51.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNION SECURITY INSURANCE COMPANY EIN 81-0170040 NONE | Claims processing; Other fees Service code 12 | — | $81K |
| MSMF DBA SONUS BENEFITS NONE | Insurance agents and brokers; Other commissions Service code 22 | 12213 BIG BEND BOULEVARD KIRKWOOD, MO 63122 | $27K |
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 | 944 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 2,567 | $13.1M |
| Vision(2 contracts, 2 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 2,567 | $13.4M |
| Life insurance(3 contracts) | UNION SECURITY INSURANCE COMPANY | 944 | $698K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 863 | $387K |
| Other(3 contracts) | UNION SECURITY INSURANCE COMPANY | 944 | $698K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,567 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.