| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VALERIE COFFIN3 | 155 BROAD ST MILFORD, CT 064604726 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $22 | — | $22 | 1.39% |
| DEBORAH M MURRAY3 | 477 BOSTON POST RD ORANGE, CT 064773548 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $4 | — | $4 | 0.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PENSION ARCHITECS ADVISORY GROUP NONE | Named fiduciary; Investment advisory (participants); Direct payment from the plan; Consulting fees; Consulting (pension); Other investment fees and expenses; Investment advisory (plan); Participant communication Service code 17 | 11601 WILSHIRE BOULEVARD SUITE 2240 LOS ANGELES, CA 90025 | $51K |
| CHARLES SCHWAB TRUST COMPANY EIN 42-1558009 NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution); Float revenue; Shareholder servicing fees; Custodial (other than securities); Investment management; Trustee (directed) Service code 18 | — | $8K |
| DIGITAL RETIREMENT SOLUTIONS, INC. EIN 84-1477138 NONE | Direct payment from the plan; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees; Sub-transfer agency fees; Participant communication; Participant loan processing Service code 12 | — | $7K |
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 | 245 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 35 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 2 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMERICAN GENERAL LIFE INSURANCE COMPANY | 7 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.