| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL A BOOK7 | 90 PARK AVE FL 17 NEW YORK, NY 10016 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $44 | — | $44 | — |
| PETER S NOVAK7 | 42 CORD GRASS CT FERNANDINA BEACH, FL 320340058 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $25 | — | $25 | — |
| BRENDAN C NAUGHTON7 | 330 WHITNEY AVE STE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $8 | — | $8 | — |
| DAVID W SMITH7 | 1909 11TH AVE MONROE, WI 53566 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $0 | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRANSAMERICA RETIREMENT SOLUTIONS EIN 13-3689044 RECORDKEEPER | Float revenue; Participant loan processing; Other insurance wrap fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees; Investment management fees paid indirectly by plan Service code 15 | — | $19K |
| RBC CAPITAL MARKETS LLC EIN 41-1416330 BROKER | Insurance brokerage commissions and fees; Investment advisory (plan); Insurance agents and brokers; Insurance services Service code 22 | — | $15K |
| PPG RETIREMENT PLAN SERVICES, LTD EIN 39-1915811 TPA | Participant loan processing; Recordkeeping fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $2K |
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 | 74 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 5 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5 | — |
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.