| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LSY INC.3 | PO BOX 1307 STE. 123 SAN RAMON, CA 945836307 | PACIFIC LIFE INSURANCE COMPANY | $593 | — | $593 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SCHWAB RETIREMENT PLAN SERVICES,INC EIN 34-1479833 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Recordkeeping fees Service code 15 | — | $177K |
| BNY MELLON NATIONAL ASSOC EIN 25-0659306 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $42K |
| FIRST REPUBLIC INVESTMENT MANA EIN 22-3623353 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $38K |
| SOLARIS ADVISORS LLC EIN 20-4074268 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $37K |
| LWI FINANCIAL INC EIN 95-4699121 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $17K |
| ASPIRIANT LLC EIN 26-1518255 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $15K |
| CHARLES SCHWAB & CO., INC. EIN 94-1737782 NONE | Float revenue; Shareholder servicing fees; Direct payment from the plan; Securities brokerage commissions and fees; Securities brokerage Service code 33 | — | $14K |
| NELSON ROBERTS INVESTMENT ADVI EIN 12-7381251 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $14K |
| CALLAN CAPITAL LLC EIN 20-8228510 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $13K |
| SCHARF INVESTMENTS LLC EIN 26-3775085 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $13K |
| DESTINATION WEALTH MANAGEMENT EIN 56-2326959 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $9K |
| REILLY FINANCIAL ADVISORS LLC EIN 33-0775174 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $6K |
| SILICON VALLEY WEALTH ADVISORS EIN 77-0529771 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $5K |
| CHARLES SCHWAB BANK EIN 42-1558009 NONE | Investment management fees paid indirectly by plan; Direct payment from the plan; Trustee (directed); Other services; Float revenue Service code 25 | — | $6 |
| CHARLES SCHWAB & CO AND AFFILIATES | 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 | 1,564 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 842 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 11 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 2,417 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PACIFIC LIFE INSURANCE COMPANY | 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.