| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YAVITZ INSURANCE AGENCY3 Filed as: YAVITZ INS AGENCY INC | 12225 CLAYTON ROAD SAINT LOUIS, MO 63131 | HEALTH ALLIANCE LIFE INSURANCE COMPANY | $49K | — | $49K | 16.38% |
| KEVIN LYNCH3 | 8235 FORSYTH BLVD #1200 SAINT LOUS, MO 63105 | HEALTH ALLIANCE LIFE INSURANCE COMPANY | $49K | — | $49K | 16.38% |
| KEVIN LYNCH3 | 3251 COUNTRY CLUB PKWY CASTLE ROCK, CO 80108 | ANTHEM LIFE INSURANCE COMPANY | $10K | — | $10K | 5.22% |
| YAVITZ INSURANCE AGENCY3 Filed as: YAVITZ INS AGENCY | 12225 CLAYTON ROAD ST. LOUIS, MO 63131 | ANTHEM LIFE INSURANCE COMPANY | $8K | — | $8K | 4.12% |
| MARVIN YAVITZ INSURANCE INC3 | 12225 CLAYTON ROAD ST. LOUIS, MO 63131 | ANTHEM LIFE INSURANCE COMPANY | $7K | — | $7K | 3.53% |
| YAVITZ INSURANCE AGENCY3 Filed as: YAVITZ INSURANCE AGENCY, INC | 12225 CLAYTON ROAD TOWN AND COUNTRY, MO 63131 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | — | $16K | 8.45% |
| KEVIN LYNCH3 | 3251 COUNRTY CLUB PARKWAY CASTLE ROCK, CO 80108 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 5.63% |
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 | 400 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ALLIANCE LIFE INSURANCE COMPANY | 583 | $299K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 278 | $195K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 278 | $195K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 351 | $197K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 351 | $197K |
| Stop-loss / reinsurancereinsurance | HEALTH ALLIANCE LIFE INSURANCE COMPANY | 592 | $445K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 592 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.