| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOOK MICHAEL A3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $402 | $0 | $402 | 8.12% |
| SCHELLENBER MARK A3 | 416 MAIN ST STE 432 PEORIA, IL 616021141 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $91 | $0 | $91 | 1.84% |
| MCROBERTS GREGORY A3 | 900 E 96TH ST STE 300 INDIANAPOLIS, IN 462403876 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $46 | $0 | $46 | 0.93% |
| WOLAK WALTER W3 | 220 GIBRALTAR RD STE 350 HORSHAM, PR 190442341 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $33 | $0 | $33 | 0.67% |
| SINKS ROBERT TIMOTHY3 | 12 CADILLAC DR STE 440 BRENTWOOD, TN 370275272 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $27 | $0 | $27 | 0.55% |
| MALLEE JOSEPH P3 | 3701 CORPORATE PKWY STE 320 CENTER VALLEY, PA 180348233 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.16% |
| CORLESS JERRY I3 | 5100 POPLAR AVE STE 2300 MEMPHIS, TN 381372301 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.06% |
| LEMOINE MICAH J3 | 401 SW WATERS ST STE 303 PEORIA, IL 61602 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $0 | $1 | $1 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ONEAMERICA RETIREMENT SERVICES, LLC EIN 46-5378846 NONE | Shareholder servicing fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Copying and duplicating; Participant communication; Participant loan processing; Distribution (12b-1) fees; Direct payment from the plan; Recordkeeping fees Service code 15 | — | $68K |
| MATRIX TRUST COMPANY EIN 75-3182674 NONE | Trustee (bank, trust company, or similar financial institution); Trustee (directed); Custodial (securities); Float revenue Service code 19 | — | $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 | 268 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 71 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 3 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 26 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.