| 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 | UNITED HEALTHCARE INSURANCE CO | $16K | — | $16K | 3.19% |
| GA SOLUTIONS LLC3 Filed as: CT SOLUTIONS LTD | 3660 S. GEYER RD STE 200 ST. LOUIS, MO 63127 | GUARDIAN LIFE INSURANCE CO OF AMERICA | $6K | $4K | $11K | 19.46% |
| EDWARD DALE MERACLE3 | 1716 HIDDEN CREEK CT ST. LOUIS, MO 63131 | GUARDIAN LIFE INSURANCE CO OF AMERICA | — | — | $0 | 0.00% |
| DAN R BREWER3 | 9128 GRANT PARK DR ST. LOUIS, MO 63123 | GUARDIAN LIFE INSURANCE CO OF AMERICA | — | — | $0 | 0.00% |
No Schedule C service providers reported on this filing.
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 | 108 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE CO | 53 | $504K |
| Dental | GUARDIAN LIFE INSURANCE CO OF AMERICA | 108 | $54K |
| Vision | GUARDIAN LIFE INSURANCE CO OF AMERICA | 108 | $54K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE CO OF AMERICA | 108 | $57K |
| Long-term disability | GUARDIAN LIFE INSURANCE CO OF AMERICA | 108 | $54K |
| Other | GUARDIAN LIFE INSURANCE CO OF AMERICA | 108 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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.