| 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 | $590 | — | $590 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SCHWAB RETIREMENT PLAN SERVICES,INC EIN 34-1479833 NONE | Recordkeeping fees; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $184K |
| 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 | — | $36K |
| SOLARIS ADVISORS LLC EIN 84-1734245 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $32K |
| ASPIRIANT LLC EIN 26-1518255 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $19K |
| DESTINATION WEALTH MANAGEMENT EIN 56-2326959 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $15K |
| NELSON ROBERTS INVESTMENT ADVI EIN 12-7381251 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $14K |
| SCHARF INVESTMENTS LLC EIN 26-3775085 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $14K |
| CALLAN CAPITAL LLC EIN 20-8228510 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $14K |
| ENVESTNET ASSET MANAGEMENT INC EIN 36-4319587 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $13K |
| CHARLES SCHWAB & CO., INC. EIN 94-1737782 NONE | Securities brokerage commissions and fees; Float revenue; Securities brokerage; Direct payment from the plan; Shareholder servicing fees Service code 33 | — | $11K |
| REILLY FINANCIAL ADVISORS LLC EIN 33-0775174 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $7K |
| SILICON VALLEY WEALTH ADVISORS EIN 77-0529771 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $6K |
| 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 | 1,676 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 900 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 11 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 2,587 | 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."
No prospect flags tripped on this filing.