| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YAVITZ INSURANCE AGENCY3 Filed as: YAVITZ AGENCY INC | 12225 CLAYTON ROAD ST LOUIS, MO 63131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | $0 | $12K | 2.00% |
| KEVIN LYNCH3 | 325 N KIRKWOOD RD STE 303 ST LOUIS, MO 63122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | $0 | $12K | 2.00% |
| KEVIN LYNCH3 | 8235 FORSYTH BLVD #1200 ST LOUIS, MO 63105 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $27K | $0 | $27K | 12.86% |
| YAVITZ INSURANCE AGENCY3 Filed as: YAVITZ AGENCY INC | 12225 CLAYTON ROAD ST LOUIS, MO 63131 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $27K | $0 | $27K | 12.86% |
| YAVITZ INSURANCE AGENCY3 Filed as: YAVITZ AGENCY INC | 12225 CLAYTON ROAD ST LOUIS, MO 63131 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $14K | $0 | $14K | 8.46% |
| KEVIN LYNCH3 | 3251 COUNTRY CLUB PARKWAY CASTLE ROCK, CO 80108 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | $0 | $9K | 5.64% |
| KEVIN LYNCH3 | 325 N KIRKWOOD RD STE 303 ST LOUIS, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 7.50% |
| YAVITZ INSURANCE AGENCY3 Filed as: YAVITZ AGENCY INC | 12225 CLAYTON ROAD ST LOUIS, MO 63131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 6.14% |
| YAVITZ INSURANCE AGENCY3 Filed as: YAVITZ AGENCY INC | 12225 CLAYTON ROAD ST LOUIS, MO 63131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 10.80% |
| KEVIN LYNCH3 | 325 N KIRKWOOD RD STE 303 ST LOUIS, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 5.51% |
| YAVITZ INSURANCE AGENCY3 Filed as: YAVITZ AGENCY INC | 12225 CLAYTON ROAD ST LOUIS, MO 63131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $283 | $0 | $283 | 7.49% |
| KEVIN LYNCH3 | 325 N KIRKWOOD RD STE 303 ST LOUIS, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $283 | $0 | $283 | 7.49% |
| YAVITZ INSURANCE AGENCY3 Filed as: YAVITZ AGENCY INC | 12225 CLAYTON ROAD ST LOUIS, MO 63131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $321 | $0 | $321 | 10.42% |
| KEVIN LYNCH3 | 325 N KIRKWOOD RD STE 303 ST LOUIS, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $188 | $0 | $188 | 6.10% |
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 | 555 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 555 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 555 | $210K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 260 | $167K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 260 | $167K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 526 | $75K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 310 | $79K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 300 | $617K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 310 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 555 | — |
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.