| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN E LANZETTA3 Filed as: JOHN R MILLER | 100 STERLING PKWY STE 103 MECHANICSBURG, PA 17050 | NORTHWESTERN MUTUAL | $242 | $760 | $1K | — |
| BRAD ANDREW NELSON3 | 100 STERLING PKWY STE 103 MECHANICSBURG, PA 17050 | NORTHWESTERN MUTUAL | $35 | $8 | $43 | — |
| GUINAN FNCL GRP LLC3 Filed as: GUINAN FNCL GROUP LLC | 1000 CONTINENTIAL DRIVE SUITE 695 KING OF PRUSSIA, PA 19406 | NORTHWESTERN MUTUAL | $34 | $3 | $37 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CHARLES SCHWAB & CO., INC. EIN 94-1737782 NONE | Shareholder servicing fees; Investment management; Direct payment from the plan; Float revenue; Custodial (securities); Investment management fees paid indirectly by plan Service code 19 | — | $898 |
| AMERICAN CENTURY INV MGT, INC. EIN 44-6006315 NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $0 |
| BOSTON MANAGEMENT AND RESEARCH EIN 20-1227352 NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $0 |
| BROWN CAPITAL MANAGEMENT, LLC NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | 1201 NORTH CALVERT STREET BALTIMORE, MD 21202 | $0 |
| DIMENSIONAL FUND ADVISORS LP EIN 30-0447847 NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $0 |
| HARBOR CAPITAL ADVISORS INC EIN 04-2679462 NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $0 |
| LAZARD ASSET MANAGEMENT LLC EIN 20-4571006 NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $0 |
| T. ROWE PRICE ASSOCIATES, INC. EIN 52-2264646 NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $0 |
| WELLS FARGO FUNDS MANAGEMENT LLC EIN 41-0449260 NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $0 |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 39 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NORTHWESTERN MUTUAL | 6 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.