No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PINNACLE TRUST CO INVESTMENT ADVISOR | Direct payment from the plan; Investment management fees paid directly by plan; Investment advisory (plan); Investment advisory (participants) Service code 26 | 101 PORT STREET MADISON, MS 39110 | $2K |
| THE VANGUARD GROUP, INC. EIN 23-1945930 RECORDKEEPER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Investment management; Direct payment from the plan Service code 15 | — | $1K |
| JOHN HANCOCK LIFE INSURANCE COMPANY EIN 01-0233346 RECORDKEEPER | Distribution (12b-1) fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Shareholder servicing fees; Soft dollars commissions; Investment management; Float revenue; Sub-transfer agency fees Service code 15 | — | $288 |
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 | 84 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NEW ENGLAND LIFE INSURANCE COMPANY | 3 | $623 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.