| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN LYNCH3 | 325 N KIRKWOOD RD. STE 303 ST. LOUIS, MO 63122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 1.04% |
| YAVITZ INSURANCE AGENCY3 | 12225 CLAYTON RD TOWN AND COUNTRY, MO 63131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 1.04% |
| KEVIN LYNCH3 | 8235 FORSYTH BLVD #1200 ST. LOUIS, MO 63105 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $30K | — | $30K | 12.98% |
| YAVITZ INSURANCE AGENCY3 Filed as: YAVITZ INS AGENCY INC | 12225 CLAYTON RD ST. LOUIS, MO 63131 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $30K | — | $30K | 12.98% |
| MARVYN YAVITZ3 Filed as: MARVYN YAVITZ INSURANCE INC. | 12225 CLAYTON RD. ST. LOUIS, MO 63131 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | — | $17K | 8.47% |
| KEVIN LYNCH3 | 3251 COUNTRY CLUB PKWY CASTLE ROCK, CO 80108 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | — | $12K | 5.65% |
| YAVITZ INSURANCE AGENCY3 | 12225 CLAYTON RD TOWN AND COUNTRY, MO 63131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 7.50% |
| KEVIN LYNCH3 | 325 N KIRKWOOD RD. SUITE 303 ST. LOUIS, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 7.50% |
| Z-NTH BENEFITS CONSULTING3 | 325 N KIRKWOOD RD. SUITE 303 ST. LOUIS, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 1.49% |
| YAVITZ INSURANCE AGENCY3 | 12225 CLAYTON RD TOWN AND COUNTRY, MO 63131 | LIFE INSURANCE OF NORTH AMERICA | $5K | — | $5K | 7.50% |
| KEVIN LYNCH3 | 325 N KIRKWOOD RD. SUITE 303 ST. LOUIS, MO 63122 | LIFE INSURANCE OF NORTH AMERICA | $5K | — | $5K | 7.50% |
| Z-NTH BENEFITS CONSULTING3 | 325 N KIRKWOOD RD. SUITE 303 ST. LOUIS, MO 63122 | LIFE INSURANCE OF NORTH AMERICA | $1K | — | $1K | 1.47% |
| YAVITZ INSURANCE AGENCY3 | 12225 CLAYTON RD TOWN AND COUNTRY, MO 63131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 7.50% |
| KEVIN LYNCH3 | 325 N KIRKWOOD RD. SUITE 303 ST. LOUIS, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 7.50% |
| MARVYN YAVITZ3 | 12225 CLAYTON RD. TOWN AND COUNTRY, MO 63131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 6.58% |
| KEVIN LYNCH3 | 325 N KIRKWOOD RD SUITE 303 ST. LOUIS, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 6.58% |
| YAVITZ INSURANCE AGENCY3 | 12225 CLAYTON RD TOWN AND COUNTRY, MO 63131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $411 | — | $411 | 7.49% |
| KEVIN LYNCH3 | 325 N KIRKWOOD RD SUITE 303 ST. LOUIS, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $411 | — | $411 | 7.49% |
| Z-NTH BENEFITS CONSULTING3 | 325 N KIRKWOOD RD. SUITE 303 ST. LOUIS, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $82 | — | $82 | 1.49% |
| YAVITZ INSURANCE AGENCY3 | 12225 CLAYTON RD TOWN AND COUNTRY, MO 63131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $250 | — | $250 | 7.50% |
| KEVIN LYNCH3 | 325 N KIRKWOOD RD SUITE 303 ST. LOUIS, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $250 | — | $250 | 7.50% |
| Z-NTH BENEFITS CONSULTING3 | 325 N KIRKWOOD RD. SUITE 303 ST. LOUIS, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $50 | — | $50 | 1.50% |
| YAVITZ INSURANCE AGENCY3 | 12225 CLAYTON RD TOWN AND COUNTRY, MO 63131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $107 | — | $107 | 7.46% |
| KEVIN LYNCH3 | 325 N KIRKWOOD RD SUITE 303 ST. LOUIS, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $107 | — | $107 | 7.46% |
| YAVITZ INSURANCE AGENCY3 | 12225 CLAYTON RD TOWN AND COUNTRY, MO 63131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $73 | — | $73 | 7.50% |
| KEVIN LYNCH3 | 325 N KIRKWOOD RD. SUITE 303 ST. LOUIS, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $73 | — | $73 | 7.50% |
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 | 620 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 620 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 620 | $231K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 275 | $206K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 275 | $206K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE OF NORTH AMERICA | 573 | $93K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 392 | $116K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 311 | $659K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 392 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 620 | — |
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.