| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GA SOLUTIONS LLC3 Filed as: CT SOLUTIONS LTD | 3660 S. GEYER ROAD, STE 200 ST. LOUIS, MO 63127 | HEALTHY ALLIANCE LIFE INSURANCE COMAPNY | $529K | $1K | $530K | 3.51% |
| THOMAS F. MENGEL3 Filed as: THOMAS G. MURPHY | 3660 S. GEYER ROAD, STE 200 ST. LOUIS, MO 63127 | HEALTHY ALLIANCE LIFE INSURANCE COMAPNY | — | $6 | $6 | 0.00% |
| THOMAS F. MENGEL3 | 3660 SOUTH GEYER ROAD, STE 200 ST. LOUIS, MO 63127 | UNION SECURITY INSURANCE COMPANY | $22K | — | $22K | 4.00% |
| THOMAS F. MENGEL3 | 3660 SOUTH GEYER ROAD, STE 200 ST. LOUIS, MO 63127 | UNION SECURITY INSURANCE COMPANY | $30K | — | $30K | 6.00% |
| CT SOLUTIONS DBA SONUS BENEFITS3 | 3660 S. GEYER ROAD, STE 200 ST. LOUIS, MO 63127 | UNION SECURITY INSURANCE COMPANY | $12K | — | $12K | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNION SECURITY INSURANCE COMPANY EIN 81-0170040 | Claims processing Service code 12 | 3660 S. GEYER RD, STE 200 ST. LOUIS, MO 63127 | $79K |
| MSMF DBA SONUS BENEFITS EIN 81-0170040 | Insurance agents and brokers Service code 22 | 3660 S GEYER RD, STE 200 ST. LOUIS, MO 63127 | $27K |
| BENEFLEX HR RESOURCES, INC. EIN 26-4445781 | Contract Administrator Service code 13 | 10805 SUNSET OFFICE DR. ST. LOUIS, MO 63127 | $8K |
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 | 1,005 | 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) | 1,005 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMAPNY | 975 | $15.1M |
| Life insurance(2 contracts) | UNION SECURITY INSURANCE COMPANY | 1,004 | $619K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 1,005 | $500K |
| Other(2 contracts) | UNION SECURITY INSURANCE COMPANY | 1,004 | $619K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,005 | — |
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.