Form 5500 · Employee benefit plan · DES PERES, MO
YA EMPLOYEE SERVICES, LLC
The filing calls this plan YA EMPLOYEE SERVICES, LLC HEALTH AND WELFARE BENEFIT PLAN.
YA EMPLOYEE SERVICES, LLC of DES PERES, MO is a 640-participant professional services employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is LOCKTON COMPANIES, LLC. Coverage is written through STANDARD INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 87-1920812 · plan 501 · plan year 2026, filed Sep 23, 2026
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45 other employer plans in Missouri have policy years ending in March. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Health: the largest of the 2 insured health contracts, with HAWAII MEDICAL ASSURANCE ASSOCIATION, covers 17 of 640 participants (2.7%) on Schedule A.
Also declared: death benefits.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 3 insured contracts covering health, dental, vision, life and disability; the largest, with STANDARD INSURANCE COMPANY, covers 716 people.
Reported premium across the insured contracts is $1,359,078, with $151,708 in disclosed broker commissions — about 11% of premium.
The most recent policy period ended in March, and the plan year ends March 31. Group contracts typically renew on that annual cycle.
LOCKTON COMPANIES, LLC is the broker of record on 2 of the 3 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including STANDARD INSURANCE COMPANY, HAWAII MEDICAL ASSURANCE ASSOCIATION and AETNA LIFE INSURANCE COMPANY. STANDARD INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| STANDARD INSURANCE COMPANY | Dental, Vision, Life, Disability | 716 | Apr 1, 2026 | $1,091,127 | $138,207 |
| AETNA LIFE INSURANCE COMPANY | Health | 412 | Apr 1, 2026 | $106,063 | $8,663 |
| HAWAII MEDICAL ASSURANCE ASSOCIATION | Health | 17 | Apr 1, 2026 | $161,888 | $4,838 |
Premium and claims on this contract
STANDARD INSURANCE COMPANY, contract 171265. For the contract year on this filing, the carrier reported $1,091,127 in premium earned and $1,160,959 in claims incurred. Dividing one by the other gives 106%.
- STANDARD INSURANCE COMPANY, contract 171265 reported $404,112 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
How this plan compares
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Renewal calendar
45 other employer plans in Missouri are April 1 renewals (policy year ends March).
Their policy years end in March, like this plan’s, so most renew April 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
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