| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETER J LEBLANC3 | 8000 MARYLAND AVE STE 330 SAINT LOUIS, MO 631053752 | MASS MUTUAL LIFE INSURANCE CO. | $195 | $0 | $195 | — |
| PETER J LEBLANC3 | 8000 MARYLAND AVE STE 330 SAINT LOUIS, MO 631053752 | MASS MUTUAL LIFE INSURANCE CO. | $147 | $0 | $147 | — |
| MICHAEL A BOOK3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASS MUTUAL LIFE INSURANCE CO. | $0 | $0 | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SCHWAB RETIREMENT PLAN SERVICES,INC EIN 34-1479833 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Investment advisory (participants); Recordkeeping fees Service code 15 | — | $44K |
| DEW WEALTH STRATEGIES LLC EIN 01-0560582 NONE | Direct payment from the plan; Investment management Service code 28 | — | $28K |
| CHARLES SCHWAB & CO., INC. EIN 94-1737782 NONE | Securities brokerage; Float revenue; Securities brokerage commissions and fees; Shareholder servicing fees; Direct payment from the plan Service code 33 | — | $266 |
| CHARLES SCHWAB & CO INC AND AFFIL | Shareholder servicing fees Service code 59 | — | $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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 1 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | MASS MUTUAL LIFE INSURANCE CO. | 9 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9 | — |
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.