| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SFBAG EMPLOYEE BENEFIT INS. SVCS.3 Filed as: SFBAG INS SERVICES INC. | 111 SUTTER ST STE 1800 SAN FRANCISCO, CA 94104 | NORTHWESTERN MUTUAL | $8 | $1 | $9 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SCHWAB RETIREMENT PLAN SERVICES EIN 34-1479833 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees Service code 15 | — | $328K |
| BROUWER & JANACHOWSKI INC. EIN 94-3038071 NONE | Investment management; Direct payment from the plan Service code 28 | — | $194K |
| BROUWER & JANACHOWSKI, LLC EIN 26-1584455 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $117K |
| CITY NATIONAL BANK EIN 95-1780067 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $30K |
| CHARLES SCHWAB & CO., INC. EIN 42-1558009 NONE | Securities brokerage commissions and fees; Float revenue; Securities brokerage; Other investment fees and expenses; Direct payment from the plan; Shareholder servicing fees Service code 33 | — | $29K |
| REYNDERS MCVEIGH CAPITAL MANAGEMENT EIN 56-2541684 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $17K |
| RAND & ASSOCIATES EIN 45-1863482 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $16K |
| FIRST AFFIRMATIVE FINANCIAL NE EIN 84-1500288 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $13K |
| ALTMAN & CRONIN BENEFIT CONSULTANTS EIN 94-3253397 NONE | Legal; Direct payment from the plan Service code 29 | — | $8K |
| LINSCOMB & WILLIAMS EIN 74-1939813 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $6K |
| FIRST REPUBLIC INVESTMENT MANAGEMEN EIN 22-3623353 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $6K |
| PACIFIC COAST INVESTMENT ADVISOR EIN 30-0356597 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $5K |
| 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 | 1,585 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 769 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 5 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 2,359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NORTHWESTERN MUTUAL | 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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.