| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RETIREMENT, LLC SERIES TWO3 | 13838 QUAIL POINTE DR OKLAHOMA CITY, OK 73134 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $707 | $707 | — |
| RETIREMENT, LLC SERIES TWO3 | 13838 QUAIL POINTE DR OKLAHOMA CITY, OK 73134 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY EIN 42-0127290 CONTRACT ADMINISTRATOR | Direct payment from the plan; Recordkeeping fees; Contract Administrator; Participant loan processing Service code 13 | — | $37K |
| RIA ADVISORY GROUP EIN 20-3199545 INVESTMENT ADVISORY | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $23K |
| DEFINITI LLC | Contract Administrator; Direct payment from the plan; Other services; Other fees Service code 13 | — | $10K |
| DEFINITI EIN 85-0833363 CONTRACT ADMINISTRATOR | Other fees; Contract Administrator; Other services; Direct payment from the plan Service code 13 | — | $4K |
| WILSHIRE ADVISORS LLC | Other investment fees and expenses; Investment advisory (plan) Service code 27 | — | $0 |
| WILSHIRE ASSOCIATES INC. EIN 95-2755361 INVESTMENT ADVISORY | Other investment fees and expenses; Investment advisory (plan) Service code 27 | — | $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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | NEW YORK LIFE INS AND ANN CORP | 158 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.