| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN RAY RICHARDSON3 | 3333 PEACHTREE RD NE ATLANTA, GA 303261070 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $90 | — | $90 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SIGNATURED LLC EIN 58-2323085 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $246K |
| SCHWAB RETIREMENT PLAN SERVICES INC EIN 34-1479833 NONE | Direct payment from the plan; Recordkeeping fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $160K |
| ZWJ INVESTMENT COUNSEL INC EIN 58-1434494 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $114K |
| MORGAN STANLEY SMITH BARNEY EIN 26-4310632 NONE | Investment management; Direct payment from the plan Service code 28 | — | $80K |
| ACADEMY CAPITAL MANAGEMENT EIN 74-2411461 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $52K |
| A MONTAG & ASSOCIATES INC EIN 58-2069838 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $36K |
| CHARLES SCHWAB & CO INC EIN 94-1737782 NONE | Float revenue; Shareholder servicing fees; Securities brokerage commissions and fees; Securities brokerage; Other investment fees and expenses; Direct payment from the plan Service code 33 | — | $33K |
| DEFENDER CAPITAL EIN 45-3447644 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $22K |
| KAYS FINANCIAL ADVISORY CORP EIN 58-1619177 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $21K |
| FCA CORP EIN 76-0076528 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $15K |
| JOYN ADVISORS INC EIN 58-1955611 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $14K |
| MARCO INVESTMENT MGMT LLC EIN 58-2405742 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $12K |
| OUTFITTER ADVISORS LTD EIN 54-1965902 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $11K |
| SHERRILL & HUTCHINS FINANCIAL EIN 58-1585803 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $9K |
| MCADAM LLC EIN 47-1994636 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $7K |
| CHARLES SCHWAB BANK EIN 42-1558009 NONE | Float revenue; Trustee (directed); Other services; Direct payment from the plan; Investment management fees paid indirectly by plan Service code 25 | — | $32 |
| CHARLES SCHWAB & CO INC AFFILIATES | 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 | 1,647 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 797 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 10 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 2,454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(5 contracts, 5 carriers) | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 4 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4 | — |
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.