Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingThe primary carrier changed from the prior filing. The plan has shown it will move. Pitch it again on the next cycle.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Broker: John Ray Richardson Life | Life | |
Life | Life |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 2 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 2,091 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,166 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 8 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 3,265 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 6 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: Massachusetts Mutual Life Insurance Company |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SIGNATUREFD LLC EIN 58-2323085 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $270K |
| SCHWAB RETIREMENT PLAN SERVICES INC EIN 34-1479833 NONE | Investment advisory (participants); Direct payment from the plan; Recordkeeping fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $220K |
| ZWJ INVESTMENT COUNSEL INC EIN 58-1434494 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $180K |
| ACADEMY CAPITAL MANAGEMENT EIN 74-2411461 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $57K |
| CIBC PRIVATE WEALTH ADVISORS I EIN 20-0822261 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $52K |
| HB WEALTH MANAGEMENT LLC EIN 87-2119854 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $42K |
| AVIDIAN WEALTH ENTERPRISES LLC EIN 99-1048947 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $35K |
| FCA CORP EIN 76-0076528 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $27K |
| FIDUCIENT ADVISORS LLC EIN 36-4001764 NONE | Direct payment from the plan; Investment management Service code 28 | — | $16K |
| LMCG INVESTMENTS LLC EIN 27-0282607 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $16K |
| NICHOLAS HOFFMAN & COMPANY LLC EIN 37-1548177 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $14K |
| CHARLES SCHWAB & CO., INC. EIN 94-1737782 NONE | Securities brokerage commissions and fees; Other investment fees and expenses; Shareholder servicing fees; Direct payment from the plan; Float revenue; Securities brokerage Service code 33 | — | $9K |
| SANCHEZ & ZURES LLC EIN 03-0580851 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $6K |
| FLEXIBLE PLAN INVESTMENTS LTD EIN 38-2340348 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $5K |
| DEFENDER CAPITAL EIN 45-3447644 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $5K |
| CHARLES SCHWAB & CO INC AND AFFIL | Shareholder servicing fees Service code 59 | — | $0 |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
4 contacts
Phone and email for the actuary are on Pro.
11 filings · 2015 to 2025