| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DMS INS AGENCY OF TX LLC3 | 5022 GRAND RIDGE DR WEST DES MOINES, IA 502655754 | BRIGHTHOUSE LIFE INSURANCE COMPANY | $3 | — | $3 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERRILL LYNCH PIERCE FENNER & SMITH INVESTMENT ADVISOR | Investment advisory (plan) Service code 27 | 1400 AMERICAN BLVD BLDG #4 PRINCETON PLACE AT HOPEWELL PENNINGTON, NJ 08534 | $70K |
| EMPOWER ADVISORY GROUP, LLC INVESTMENT MGMT | Investment management Service code 28 | 8515 EAST ORCHARD ROAD GREENWOOD VILLAGE, CO 80111 | $31K |
| MOSS ADAMS LLP AUDITOR | Accounting (including auditing) Service code 10 | PO BOX 101822 PASADENA, CA 911891822 | $14K |
| EMPOWER ANNUITY INSURANCE COMPANY O RECORDKEEPER | Recordkeeping fees Service code 64 | 8515 EAST ORCHARD ROAD GREENWOOD VILLAGE, CO 80111 | $2K |
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 | 562 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 216 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 796 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | BRIGHTHOUSE 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.