| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARDSON JOHN RAY3 | 3333 PEACHTREE RD NE ATLANTA, GA 303261070 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $0 | $505 | $505 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZWJ INVESTMENT COUNSEL INC EIN 58-1434494 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $156K |
| SCHWAB RETIREMENT PLAN SERVICES INC EIN 34-1479833 NONE | Recordkeeping fees; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $130K |
| MORGAN STANLEY GLOBAL EIN 26-4310632 NONE | Direct payment from the plan; Investment management Service code 28 | — | $125K |
| SIGNATURED LLC EIN 58-2323085 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $56K |
| ACADEMY CAPITAL MANAGEMENT EIN 74-2411461 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $51K |
| FCA CORP EIN 76-0076528 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $27K |
| KAYS FINANCIAL ADVISORY CORP EIN 58-1619177 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $18K |
| DEFENDER CAPITAL EIN 45-3447644 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $16K |
| CIBC PRIVATE WEALTH ADVISERS INC EIN 20-0822261 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $15K |
| CHARLES SCHWAB & CO., INC. EIN 94-1737782 NONE | Other investment fees and expenses; Shareholder servicing fees; Securities brokerage; Float revenue; Securities brokerage commissions and fees; Direct payment from the plan Service code 33 | — | $15K |
| A MONTAG & ASSOCIATES INC EIN 58-2069838 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $14K |
| MCADAM LLC EIN 47-1994636 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $9K |
| NICHOLAS HOFFMAN & COMPANY LLC EIN 37-1548177 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $6K |
| SPENCE ASSET MANAGEMENT EIN 85-0408533 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $6K |
| 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 | 1,811 | 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) | 2,697 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 10 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10 | — |
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."
No prospect flags tripped on this filing.