| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES OSBORNE | — | THE PENN MUTUAL LIFE INSURANCE COMPANY | $39 | — | $39 | 1.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLS FARGO BANK, N.A. EIN 94-1347393 SERVICE PROVIDER | Trustee (bank, trust company, or similar financial institution); Distribution (12b-1) fees; Direct payment from the plan; Recordkeeping fees; Participant loan processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue Service code 15 | — | $534K |
| NETOLS ASSET MANAGEMENT EIN 39-2013954 SERVICE PROVIDER | Direct payment from the plan; Investment management fees paid directly by plan Service code 50 | — | $192K |
| ROBERT W. BAIRD AND COMPANY, INC. EIN 39-6037917 SERVICE PROVIDER | Direct payment from the plan; Investment management fees paid directly by plan Service code 50 | — | $95K |
| ALPHA INVESTMENT CONSULTING GROUP EIN 39-1859759 SERVICE PROVIDER | Investment management fees paid directly by plan; Direct payment from the plan Service code 50 | — | $67K |
| VON BRIESEN & ROPER EIN 39-1576289 SERVICE PROVIDER | Legal; Direct payment from the plan Service code 29 | — | $20K |
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 | 3,827 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 458 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 23 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 4,308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE PENN MUTUAL 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.