| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARDSON JOHN RAY3 | 3333 PEACHTREE RD NE ATLANTA, GA 303261070 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $90 | — | $90 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SIGNATURED LLC EIN 58-2323085 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $270K |
| ZWJ INVESTMENT COUNSEL INC EIN 58-1434494 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $126K |
| SCHWAB RETIREMENT PLAN SERVICES INC EIN 34-1479833 NONE | Recordkeeping fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $119K |
| MORGAN STANLEY SMITH BARNEY HOLDING EIN 26-4310632 NONE | Investment management; Direct payment from the plan Service code 28 | — | $90K |
| ACADEMY CAPITAL MANAGEMENT EIN 74-2411461 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $53K |
| DEFENDER CAPITAL EIN 45-3447644 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $26K |
| CHARLES SCHWAB & CO INC EIN 94-1737782 NONE | Shareholder servicing fees; Float revenue; Securities brokerage; Other investment fees and expenses; Direct payment from the plan; Securities brokerage commissions and fees Service code 33 | — | $25K |
| KAYS FINANCIAL ADVISORY CORP EIN 58-1619177 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $19K |
| AT INVESTMENT ADVISERS INC EIN 20-0822261 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $17K |
| FCA CORP EIN 76-0076528 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $17K |
| JOYN ADVISORS INC EIN 58-1955611 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $16K |
| NORTHWESTERN MUTUAL LIFE INSURANCE EIN 39-0509570 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $12K |
| SHERRILL & HUTCHINS FINANCIAL EIN 58-1585803 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $12K |
| 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; Investment management fees paid indirectly by plan; Trustee (directed); Other services; Direct payment from the plan Service code 25 | — | $70 |
| 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 | 1,636 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 875 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 11 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 2,522 | 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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.