| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CT SOLUTIONS DBA SONUS BENEFITS3 | 3660 S GEYER RD SUITE 200 SAINT LOUIS, MO 63127 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $52K | — | $52K | 10.29% |
| SUNSTAR INSURANCE GROUP LLC3 Filed as: SUNSTAR INSURANCE GROUP | 3660 S. GEYER RD SUITE 200 SAINT LOUIS, MO 63127 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 9.00% |
| MARK S METTILLE3 | 107 CANDLELIGHT LANE MORRIS, IL 60450 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 5.00% |
| GA SOLUTIONS LLC3 Filed as: CT SOLUTIONS LTD | 3660 S GEYER RD SUITE 200 SAINT LOUIS, MO 63127 | COMBINED INSURANCE COMPANY | $2K | — | $2K | 16.50% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | COMBINED INSURANCE COMPANY | $475 | — | $475 | 4.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHY ALLIANCE LIFE INSURANCE COM EIN 86-0257201 THIRD PARTY | Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | 3075 VANDERCAR WAY CINCINNATI, OH 45209 | $329K |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 134 | $503K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $251K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $251K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $251K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $251K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $251K |
| Stop-loss / reinsurancereinsurance | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 134 | $503K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $261K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.