Welfare broker

CT SOLUTIONS LTD DBA SONUS BENEFITS

Mailing address (most recent filing)

3660 S GEYER RD

SUITE 200

SAINT LOUIS, MO 63127

Total comp: $113K
Commissions: $110K
Fees: $3K
Filings: 6
Sponsors: 6

Carrier mix

Where CT SOLUTIONS LTD DBA SONUS BENEFITS places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITED STATES FIRE INSURANCE COMPANY33.3%
CIGNA HEALTH AND LIFE INSURANCE COMPANY33.3%
HEALTH NET33.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITED STATES FIRE INSURANCE COMPANY	1	$229K	33.3%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$327K	33.3%
HEALTH NET	1	$1.1M	33.3%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
MO	3	$1.6M	0.0%	17.86x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of CT SOLUTIONS LTD DBA SONUS BENEFITS's plans by broker comp / premium ratio. Median 4.50% vs welfare-wide median 6.29% (n=3).

Prospect-flag exposure · vs market baseline

Share of CT SOLUTIONS LTD DBA SONUS BENEFITS's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-3 of 3 sponsors where CT SOLUTIONS LTD DBA SONUS BENEFITS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
TELLE TIRE & AUTO SERVICE, LLC TELLE TIRE & AUTO SERVICE, LLC	MO	$1.1M	$48K	HEALTHY LIFE ALLIANCE LIFE INSURANCE COMPANY
ALLTRU CREDIT UNION ALLTRU CREDIT UNION WELFARE PLAN	MO	$327K	$45K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
MERAMEC GROUP, INC. MERAMEC GROUP EMPLOYEE HEALTH CARE PLAN	MO	$229K	$9K	NORTH RIVER-CRUM & FORSTER

Carrier

Plans

Premium

UNITED STATES FIRE INSURANCE COMPANY

$229K

33.3%

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$327K

33.3%

HEALTH NET

$1.1M

33.3%

State

Plans

Premium

State share

Index

$1.6M

0.0%

17.86x

Sponsor

Loc

Premium

Comp

Carrier

TELLE TIRE & AUTO SERVICE, LLC

$1.1M

$48K

HEALTHY LIFE ALLIANCE LIFE INSURANCE COMPANY

ALLTRU CREDIT UNION

ALLTRU CREDIT UNION WELFARE PLAN

$327K

$45K

CIGNA HEALTH AND LIFE INSURANCE COMPANY

MERAMEC GROUP, INC.

MERAMEC GROUP EMPLOYEE HEALTH CARE PLAN

$229K

$9K

NORTH RIVER-CRUM & FORSTER