| 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 | $751K | $28K | $780K | 2.72% |
| CT SOLUTIONS DBA SONUS BENEFITS3 | 3660 S GEYER RD STE 200 SAINT LOUIS, MO 63127 | SUN LIFE ASSURANCE COMPANY OF CANADA | $115K | $59K | $174K | 8.26% |
| GA SOLUTIONS LLC3 Filed as: CT SOLUTIONS LTD | 3660 S GEYER RD SUITE 200 ST. LOUIS, MO 63127 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $9K | $160 | $9K | 3.99% |
| CT SOLUTIONS DBA SONUS BENEFITS3 | 3660 S GEYER RD STE 200 ST. LOUIS, MO 63127 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | $14K | $33K | 29.44% |
| CT SOLUTIONS DBA SONUS BENEFITS3 | 3660 S GEYER RD STE 200 SAINT LOUIS, MO 63127 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $2K | $6K | 19.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE ASSURANCE COMPANY OF CANAD EIN 81-0170040 | Claims processing; Other fees Service code 12 | 96 WORCESTER STREET WELLESLEY HILLS, MA 024815699 | $57K |
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 | 1,723 | 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) | 1,723 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 1,388 | $28.9M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 91 | $112K |
| Vision(2 contracts) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 1,388 | $28.9M |
| Life insurance(3 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,723 | $2.3M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,723 | $2.1M |
| Other(3 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,723 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,723 | — |
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.