| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTOPHER J DETMER3 | RAYMOND JAMES FINANCIAL SERVICES 1776 I STREET NORTHWEST STE 700 WASHINGTON, DC 20006 | JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) | $4K | — | $4K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASSETMARK, INC INVESTMENT ADVISOR | Investment advisory (participants); Investment management fees paid directly by plan Service code 26 | 7601 LEWINSVILLE ROAD, SUITE 302 MC LEAN, VA 22101 | $124K |
| ONEAMERICA RETIREMENT SERVICES LLC EIN 46-5378846 RECORDKEEPER | Account maintenance fees; Participant communication; Direct payment from the plan; Participant loan processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees Service code 15 | — | $98K |
| MERILL LYNCH EIN 13-3266276 INVESTMENT ADVISOR | Investment management fees paid directly by plan; Investment advisory (participants) Service code 26 | — | $59K |
| MONOGRAPH WEALTH ADVISORS INVESTMENT ADVISOR | Investment management fees paid directly by plan; Investment advisory (participants) Service code 26 | 830 S. SEPULVEDA BLVD,STE 202 EL SEGUNDO, CA 92054 | $25K |
| TD AMERITRADE, INC. EIN 82-0543156 BROKERAGE | Sub-transfer agency fees; Soft dollars commissions; Distribution (12b-1) fees; Shareholder servicing fees Service code 59 | — | $19K |
| UBS FINANCIAL SERVICES EIN 13-2638166 INVESTMENT ADVISOR | Investment advisory (participants); Investment management fees paid directly by plan Service code 26 | — | $17K |
| CRANBROOK WEALTH MANAGEMENT INVESTMENT ADVISOR | Investment advisory (participants); Investment management fees paid directly by plan Service code 26 | 901 WILSHIRE DRIVE, SUITE 320 TROY, MI 48084 | $15K |
| MANNING & NAPIER ADVISORS LLC EIN 16-0995736 INVESTMENT ADVISOR | Investment advisory (participants); Investment management fees paid directly by plan Service code 26 | — | $15K |
| STERLING PORTFOLIO MANAGEMENT EIN 77-0703568 INVESTMENT ADVISOR | Investment management fees paid directly by plan; Investment advisory (participants) Service code 26 | — | $11K |
| MCLEAN ASSET MANAGEMENT CORP INVESTMENT ADVISOR | Investment advisory (participants); Investment management fees paid directly by plan Service code 26 | 8200 GREENSBORO DRIVE, SUITE 1150 MC LEAN, VA 22102 | $9K |
| PROZAN FINANCIAL SERVICES INVESTMENT ADVISOR | Investment advisory (participants); Investment management fees paid directly by plan Service code 26 | 1990 N CALIFORNIA BLVD, 8TH FLOOR WALNUT CREEK, CA 94596 | $9K |
| CLARKE LANZEN SKALLA INVESTMENTS EIN 22-3893560 INVESTMENT ADVISOR | Investment advisory (participants); Investment management fees paid directly by plan Service code 26 | — | $7K |
| CAPLAN FINANCIAL GROUP INVESTMENT ADVISOR | Investment management fees paid directly by plan; Investment advisory (participants) Service code 26 | 841 E FORT AVE STE 315 BALTIMORE, MD 21230 | $6K |
| LOURD CAPITAL MANAGEMENT, LLC EIN 95-6140019 INVESTMENT ADVISOR | Investment advisory (participants); Investment management fees paid directly by plan Service code 26 | — | $6K |
| MATRIX TRUST COMPANY EIN 75-3182674 SUB-CUSTODIAN | Soft dollars commissions; Float revenue Service code 62 | — | $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 | 1,239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 74 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 632 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 5 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,950 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.