| 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 COMAPNY | $546K | $24K | $570K | 2.66% |
| MENGEL, THOMAS FORSTER3 | 3660 S GEYER RD STE 200 SAINT LOUIS, MO 63127 | SUN LIFE ASSURANCE COMPANY OF CANADA | $73K | — | $73K | 4.97% |
| CT SOLUTIONS DBA SONUS BENEFITS3 | 3660 S GEYER RD STE 200 SAINT LOUIS, MO 63127 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $40K | $40K | 2.72% |
| GA SOLUTIONS LLC3 Filed as: CT SOLUTIONS LTD | 3660 S GEYER RD STE 200 SAINT LOUIS, MO 63127 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $15K | $238 | $15K | 3.59% |
| CT SOLUTIONS DBA SONUS BENEFITS3 | 3660 S GEYER RD STE 200 ST. LOUIS, MO 63127 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | $5K | $17K | 22.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE ASSURANCE COMPANY OF CANAD EIN 38-1082080 | Other fees; Claims processing Service code 12 | 2323 GRAND BOULEVARD KANSAS CITY, MO 641082670 | $84K |
| MSMF D.B.A SONUS BENEFITS EIN 43-1562394 | Insurance agents and brokers; Other commissions Service code 22 | 3660 S GEYER RD STE 200 SAINT LOUIS, MO 63127 | $27K |
| PAYLOCITY CORPORATION EIN 36-4227403 | Contract Administrator Service code 13 | 1400 AMERICAN LANE SCHAUMBURG, IL 60173 | $15K |
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 | 1,380 | 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) | 1,380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMAPNY | 1,206 | $21.8M |
| Vision(2 contracts, 2 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMAPNY | 1,206 | $21.8M |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,380 | $1.5M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,380 | $1.5M |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,380 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,380 | — |
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.