| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN ERNEST SPIRO3 | FORUM III, 1770 KIRBY PKWY STE 400 MEMPHIS, TN 38138 | NORTHWESTERN MUTUAL | — | $114 | $114 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HADDOX REID EUBANK BETTS EIN 64-0414329 NONE | Accounting (including auditing) Service code 10 | 188 E CAPITOL ST JACKSON, MS 39201 | $17K |
| ESLER & VANDERSCHAAFF CO., L.P.A EIN 31-1399107 NONE | Accounting (including auditing) Service code 10 | 2912 SPRINGBORO WEST RD 105 MORAINE, OH 35439 | $15K |
| DIMEO SCHNEIDER & ASSOCIATES, LLC EIN 36-4001764 NONE | Investment management fees paid directly by plan Service code 51 | 500 W MADISON ST STE 1700 CHICAGO, IL 60661 | $4K |
| VANGUARD EIN 23-1945930 NONE | Other fees; Recordkeeping fees; Sub-transfer agency fees; Shareholder servicing fees; Participant communication Service code 38 | P.O. BOX 2900 VALLEY FORGE, PA 194822900 | $4K |
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 | 625 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 176 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 1 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 815 | 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."
No prospect flags tripped on this filing.