| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT M ROACH3 | 530 W SPRING ST STE 200 COLUMBUS, OH 43215 | NORTHWESTERN MUTUAL | $0 | $161 | $161 | 3.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE JOSEPH GROUP LLC EIN 36-4729550 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $167K |
| FISHER INVESTMENTS EIN 20-2480800 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $166K |
| SCHWAB RETIREMENT PLAN SERVICES INC EIN 34-1479833 NONE | Recordkeeping fees; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $93K |
| COOK STREET CONSULTING EIN 84-0854432 NONE | Investment management; Direct payment from the plan Service code 28 | — | $66K |
| HAMILTON CAPITAL MANAGEMENT INC EIN 31-1515316 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $55K |
| MERRIMAN WEALTH MGMT LLC EIN 80-0873697 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $13K |
| CHARLES SCHWAB & CO., INC. EIN 94-1737782 NONE | Securities brokerage; Shareholder servicing fees; Securities brokerage commissions and fees; Direct payment from the plan; Other investment fees and expenses; Float revenue Service code 33 | — | $12K |
| WEALTHSTONE INC EIN 31-1059983 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $10K |
| COLUMBUS INVESTMENT ADVISORY I EIN 31-1452201 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $10K |
| SPECTRUM FINANCIAL ALLIANCE EIN 52-2237781 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $8K |
| DAVID VAUGHAN INVESTMENTS INC EIN 37-1272863 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $7K |
| NORTHWEST FINANCIAL SERVICES I EIN 35-1878552 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $5K |
| CHARLES SCHWAB & CO. INC. AND AFFIL | Shareholder servicing fees Service code 59 | — | $0 |
| CHARLES SCHWAB BANK EIN 42-1558009 NONE | Investment management fees paid indirectly by plan; Float revenue; Shareholder servicing fees; Trustee (directed); Other services; Direct payment from the plan Service code 25 | — | $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 | 481 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 157 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 7 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 645 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NORTHWESTERN MUTUAL | 3 | $5K |
| 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."
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.