No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| IRON CAPITAL ADVISORS INC. NONE | Investment advisory (plan); Consulting (general); Consulting fees Service code 16 | 3355 LENOX ROAD SUITE 925 ATLANTA, GA 30326 | $33K |
| CROWE LLP EIN 35-0921680 NONE | Accounting (including auditing); Direct payment from the plan; Consulting (general) Service code 10 | — | $15K |
| T. ROWE PRICE TRUST COMPANY EIN 52-1481931 NONE | Securities brokerage commissions and fees; Other commissions; Securities brokerage; Other services; Participant loan processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $13K |
| RETIREMENT MANAGEMENT SERVICES, LLC NONE | Consulting (general); Consulting fees; Direct payment from the plan Service code 16 | 905 LILY CREEK ROAD LOUISVILLE, KY 40243 | $8K |
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 | 286 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 133 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 1 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 421 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NORTHWESTERN MUTUAL | 1 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1 | — |
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.