| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LARRY KROPP3 | 8800 BOSLEY RD, STE 407 ELLICOTT CITY, MD 21043 | TRANSAMERICA LIFE INSURANCE COMPANY | $34 | — | $34 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| METLIFE LIFE INSURANCE COMPANY RECORDKEEPER | Recordkeeping fees Service code 64 | 11225 NORTH COMMUNITY HOUSE ROAD CHARLOTTE, NC 28277 | $228K |
| MSI FINANCIAL SERVICES INC. BROKER/ADVISOR | Other commissions Service code 55 | 1295 STATE STREET SPRINGFIELD, MA 01111 | $17K |
| CLARK SCHAEFER HACKETT & CO AUDITOR | Accounting (including auditing) Service code 10 | 10100 INNOVATIVE DRIVE SUITE 400 DAYTON, OH 45342 | $15K |
| MML INVESTORS SERVICES BROKER/ADVISOR | Other commissions Service code 55 | 1295 STATE STREET SPRINGFIELD, MA 01111 | $10K |
| A+ LETTER SERVICE, INC. OTHER | Other fees Service code 99 | 200 SYRACUSE CT LAKEWOOD, NJ 08701 | $7K |
| FROST BROWN TODD LLC ATTORNEY | Legal Service code 29 | PO BOX 5716 CINCINNATI, OH 45201 | $3K |
| MASSMUTUAL LIFE INS. CO. EIN 04-1590850 NONE | Direct payment from the plan; Account maintenance fees; Participant communication; Insurance mortality and expense charge; Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant loan processing; Sub-transfer agency fees; Float revenue; Recordkeeping fees; Other fees; Sales loads (front end and deferred); Shareholder servicing fees; Insurance services; Distribution (12b-1) fees Service code 15 | — | $288 |
| TD AMERITRADE, INC. BROKERAGE SERVICES | Securities brokerage Service code 33 | 200 S. 108TH AVENUE OMAHA, NE 68154 | $225 |
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 | 10,410 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 118 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,549 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 12,077 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | TRANSAMERICA LIFE INSURANCE COMPANY | 3 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3 | — |
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."
No prospect flags tripped on this filing.