| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL F. O BRIEN3 | 601 UNION ST STE 2500 SEATTLE, WA 98101 | NORTHWESTERN MUTUAL | $0 | $55 | $55 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SCHWAB RETIREMENT PLAN SERVICES INC EIN 34-1479833 NONE | Recordkeeping fees; Investment advisory (participants); Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $43K |
| HARVEST CAPITAL ADVISORS EIN 91-2080986 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $10K |
| DAVIS MOORE AND ASSOCIATES INC EIN 91-1507276 NONE | Legal; Direct payment from the plan; Investment management; Accounting (including auditing) Service code 10 | — | $8K |
| DANIEL CLARK EIN 75-2971473 NONE | Direct payment from the plan; Investment management Service code 28 | — | $5K |
| CHARLES SCHWAB & CO., INC. EIN 94-1737782 NONE | Securities brokerage; Float revenue; Securities brokerage commissions and fees; Shareholder servicing fees; Direct payment from the plan Service code 33 | — | $1K |
| CHARLES SCHWAB & CO. INC. AND AFFIL | 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 | 99 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 54 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NORTHWESTERN MUTUAL | 2 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2 | — |
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.