| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN LYNCH3 | 3251 COUNTRY CLUB PARKWAY CASTLE ROCK, CO 80108 | RELIASTAR LIFE INSURANCE COMPANY | $16K | — | $16K | 2.00% |
| MARVYN YAVITZ3 | 12225 CLAYTON ROAD ST LOUIS, MO 63131 | RELIASTAR LIFE INSURANCE COMPANY | $16K | — | $16K | 2.00% |
| KEVIN LYNCH3 | 3251 COUNTRY CLUB PARKWAY CASTLE ROCK, CO 80108 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $22K | — | $22K | 13.98% |
| MARVYN YAVITZ3 Filed as: MARVYN YAVITZ INSURANCE INC | 12225 CLAYTON ROAD CHESTERFIELD, MO 63131 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $22K | — | $22K | 13.98% |
| MARVYN YAVITZ3 | 12225 CLAYTON ROAD ST LOUIS, MO 63131 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $11K | $0 | $11K | 8.49% |
| KEVIN LYNCH3 | 3251 COUNTRY CLUB PARKWAY CASTLE ROCK, CO 80108 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $0 | $7K | 5.66% |
| MARVYN YAVITZ3 | 12225 CLAYTON ROAD ST LOUIS, MO 63131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 15.00% |
| MARVYN YAVITZ3 | 12225 CLAYTON ROAD ST LOUIS, MO 63131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.50% |
| KEVIN LYNCH3 | 3251 COUNTRY CLUB PARKWAY CASTLE ROCK, CO 80108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.50% |
| MARVYN YAVITZ3 | 12225 CLAYTON ROAD ST LOUIS, MO 63131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $171 | — | $171 | 7.53% |
| KEVIN LYNCH3 | 3251 COUNTRY CLUB PARKWAY CASTLE ROCK, CO 80108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $170 | — | $170 | 7.48% |
| MARVYN YAVITZ3 | 12225 CLAYTON ROAD ST LOUIS, MO 63131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $265 | — | $265 | 15.01% |
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 | 478 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 478 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 478 | $159K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 193 | $130K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 193 | $130K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 377 | $49K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 274 | $37K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 250 | $810K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 274 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 478 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.