| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN ROTH3 | 4880 SADLER ROAD, SUITE 110 GLEN ALLEN, VA 23060 | MASSACHUSETTES MUTUAL LIFE INSURANCE COMPANY | $31 | $0 | $31 | — |
| ENROLLEASE3 Filed as: JAMES CLARKE CHASE | 4801 COX ROAD, SUITE 204 GLEN ALLEN, VA 230606803 | MASSACHUSETTES MUTUAL LIFE INSURANCE COMPANY | $25 | $0 | $25 | — |
| BRADLEY GRAMM3 | 4880 SADLER ROAD, SUITE 110 GLEN ALLEN, VA 23060 | MASSACHUSETTES MUTUAL LIFE INSURANCE COMPANY | $16 | $0 | $16 | — |
| JEFFREY SCOTT GIBSON3 Filed as: JEFFREY C. GRAVES | 4880 SADLER ROAD GLEN ALLEN, VA 230606164 | MASSACHUSETTES MUTUAL LIFE INSURANCE COMPANY | $9 | $0 | $9 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LPL FINANCIAL LLC | Investment advisory (plan) Service code 27 | — | $42K |
| CHASE BENEFIT ADVISORS EIN 54-1370499 THIRD PARTY A DMINISTRATO | Direct payment from the plan; Contract Administrator Service code 13 | 4801 COX ROAD, SUITE 204 GLEN ALLEN, VA 23060 | $21K |
| MASSMUTUAL LIFE INSURANCE COMPANY EIN 04-1590850 CONTRACT ADMINISTRATOR | Soft dollars commissions; Other insurance wrap fees; Sub-transfer agency fees; Other investment fees and expenses; Distribution (12b-1) fees; Investment management fees paid indirectly by plan; Recordkeeping fees Service code 52 | 1295 STATE STREET SPRINGFIELD, MA 01111 | $16K |
| TAXCOUNSEL, LTD. EIN 16-1725707 ATTORNEY WHO REVIEWED QDR | Legal Service code 29 | — | $577 |
| AMERICAN CENTURY EIN 43-1646043 INVESTMENT PR OVIDER | Investment management fees paid indirectly by plan Service code 52 | — | $0 |
| AMERICAN FUNDS EIN 94-6050854 INVESTMENT PROVIDER | Investment management fees paid indirectly by plan Service code 52 | — | $0 |
| JP MORGAN EIN 90-0342299 INVESTMENT PR OVIDER | Investment management fees paid indirectly by plan Service code 52 | — | $0 |
| LPL FINANCIAL CORPORATION EIN 95-2834236 INVESTMENT AD VISOR | Investment advisory (plan) Service code 27 | 4801 COX ROAD, SUITE 204 GLEN ALLEN, VA 23060 | $0 |
| OPPENHEIMER EIN 13-3867060 INVESTMENT PROVIDER | Investment management fees paid indirectly by plan Service code 52 | — | $0 |
| RIDGEWORTH EIN 90-0342299 INVESTMENT PROVIDER | Investment management fees paid indirectly by plan Service code 52 | — | $0 |
| T. ROWE PRICE EIN 20-0001631 INVESTMENT PR OVIDER | Investment management fees paid indirectly by plan Service code 52 | — | $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 | 508 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 49 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 557 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | MASSACHUSETTES MUTUAL LIFE INSURANCE COMPANY | 3 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.