| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CT COLUTIONS LTD3 | 1065 EXECUTIVE PARKWAY ST 220 ST. LOUIS, MO 63141 | HEALTHY ALLIANCE LIFE INSURANCE COMAPNY | $594K | $19K | $613K | 3.07% |
| THOMAS F. MENGEL3 | 3660 SOUTH GEYER ROAD, STE 200 ST. LOUIS, MO 63127 | UNION SECURITY INSURANCE COMPANY | $21K | — | $21K | 4.00% |
| THOMAS F. MENGEL3 | 3660 SOUTH GEYER ROAD, STE 200 ST. LOUIS, MO 63127 | UNION SECURITY INSURANCE COMPANY | $31K | — | $31K | 6.00% |
| MENGEL, THOMAS FORSTER3 Filed as: MENGEL, THOMAS FOSTER | 3660 S GEYER RD STE 200 SAINT LOUIS, MO 63127 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 3.32% |
| CT SOLUTIONS DBA SONUS BENEFITS3 | 3660 S. GEYER ROAD, STE 200 ST. LOUIS, MO 63127 | UNION SECURITY INSURANCE COMPANY | $8K | — | $8K | 15.07% |
| CT SOLUTIONS DBA SONUS BENEFITS3 | 3660 S GEYER RD STE 200 ST. LOUIS, MO 63127 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 20.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MSMF D.B.A. SONUS BENEFITS EIN 43-1562394 | Other commissions; Insurance agents and brokers; Claims processing; Other fees Service code 12 | 12213 BIG BEND ROAD KIRKWOOD, MO 63122 | $1.4M |
| PAYLOCITY CORPORATION EIN 36-4227403 | Contract Administrator Service code 13 | 1400 AMERICAN LANE SCHAUMBURG, IL 60173 | $13K |
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 | 1,195 | 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) | 1,195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMAPNY | 1,160 | $20.0M |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMAPNY | 1,160 | $20.0M |
| Life insurance(4 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 1,234 | $957K |
| Long-term disability(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 1,234 | $875K |
| Other(4 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 1,234 | $957K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,234 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.