Plan Ledger DOL Form 5500 · updated monthly

Youth in Need, Inc.benefits

Youth in Need Welfare Benefits Plan · ST. CHARLES, MO · plan year 2025

Previously filed as Youth in Need, Inc. Same employer identification number; renames and acquisitions are why old benefits and 401(k) accounts get lost.

Broker compensation reported · 2025
$59,480

Youth in Need, Inc.'s benefits plans covered 354 active participants in 2025, providing health · life · dental · vision · short-term disability · other. Insurance premiums totaled $234,046. Insurance brokers and agents were paid $59,480 in commissions and fees, costs that ultimately come out of what the employer and employees pay for coverage. That works out to 25.4% of premiums. That is $168 per covered person, below the median for employer plans that report broker pay. Brokers were paid 11.1x the $5,370 reported for 2024.

Insurance contracts · 20255
STANDARD INSURANCE COMPANY · std$140K · 354 covered
STANDARD INSURANCE COMPANY · life$94K · 354 covered
UNITED HEALTHCARE INSURANCE COMPANY · dental visionpremiums n/a · 590 covered
PREFERRED RESOURCE NETWORK, INC.premiums n/a · 400 covered
FAIR AMERICAN INSURANCE AND REINSURANCE · stop-losspremiums n/a · 268 covered
Brokers & agents paid · 20252
CENTRO BENEFITS RESEARCH LLC$20,747 · incl $20,747 fees
DIGITAL INSURANCE LLC$38,733 · incl $7,131 fees
Also brokered by Centro Benefits Research LLC5
Shipt, Inc. AL$78,524

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Source: DOL Form 5500 Schedule A, plan year 2025, EIN 431033862 · Verify on EFAST2 · Amounts are as reported by the plan sponsor.