Added an SUT...not sure I understood this

You absolutely need to ensure you’re loading a SUT at 47K. Any less load resistance than this, and you’ll start throwing away gain, as well as encouraging other distortions. Your talk of 40 ohm, 22 ohm resistors makes me nervous you’re adding a heavy load to the SUT. If the SUT ratio is chosen properly for your cartridge, then 9 times out of 10 the natural reflected load from the SUT directly into a 47K ohm MM input works out "fine", with no need for additional loading on its primary or secondary.

What mulveling said.  There is only one correct way to terminate the SUT, with a 47K ohm load (or higher in some rare cases for special reasons) across the secondaries and input to an MM phono stage.  With a SUT that has a 1:10 turns ratio (like yours), this will have the cartridge "see" a 470 ohm load, which is OK for 99% of LOMC cartridges.  It's really simple.  Don't overthink it.

The cartridge likes to see a load impedance that is at least 10 times its internal impedance or greater.  Your cartridge has an internal impedance of 12 ohms, so you are fine with a 470 ohm load.  (Greater than 10X ratio is acceptable.)  The load seen through a SUT is equal to the value of the phono load resistance (47K ohms) divided by the square of the turns ratio (10-squared = 100).  Hence the cartridge sees 470 ohms (47,000/100).  Your cartridge puts out 0.4mV at the standard stylus velocity.  So the MM phono stage will see 4mV, which is perfect for driving any typical MM phono stage.

Well, as I said, I removed the load resistor when I installed the SUT.  Thus, the SUT is driving my preamp's 47k ohm input impedance without modification.  The pre-amp was just serviced and spec'd out by ARC, so I know there's no chance its impedance or gain are other than as designed.

It sounds like everyone agrees with me on what adding the SUT should result in, both in terms of gain and tonality.  It's just that is not what is happening.  

Make sure your inputs and outputs to the SUT are not reversed! I've done this before. I've also accidentally stacked two SUTs, which actually goes backwards in gain (due to really bad loading). Double and triple check all connections. In your setup, that SUT should give you an extra 20dB of gain which is HUGE and absolutely noticeable. There's no way you should be pegging the volume unless something is seriously wrong. That line stage has 20dB of gain! That's an awful lot. You should be having the opposite problem - you should be able to hit 95dB relatively low on that volume control - like below 12 o'clock, for sure. 

@mulveling Thanks.  Clearly there is something wrong with this SUT.  There's no possibility of wiring it backwards since it has a built-in output cable and two sets of RCA jacks for inputs.

You are right about the gain on my line stage.  When playing from a digital source, my light fixtures start rattling before I reach the 10 o'clock position.