| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SFBAG EMPLOYEE BENEFIT INS. SVCS.3 Filed as: SFBAG INS SERVICES INC. | 600 MONTGOMERY ST STE 1600 SAN FRANCISCO, CA 94111 | NORTHWESTERN MUTUAL | $8 | $1 | $9 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SCHWAB RETIREMENT PLAN SERVICES EIN 34-1479833 NONE | Recordkeeping fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $365K |
| BROUWER & JANACHOWSKI INC. EIN 94-3038071 NONE | Investment management; Direct payment from the plan Service code 28 | — | $280K |
| BROUWER & JANACHOWSKI, LLC EIN 26-1584455 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $180K |
| LINDQUIST CPAS LLP EIN 52-2385296 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $26K |
| CHARLES SCHWAB & CO., INC. EIN 94-1737782 NONE | Other investment fees and expenses; Shareholder servicing fees; Float revenue; Securities brokerage commissions and fees; Securities brokerage; Direct payment from the plan Service code 33 | — | $20K |
| REYNDERS MCVEIGH CAPITAL MANAGEMENT EIN 56-2541684 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $20K |
| ALTMAN & CRONIN BENEFIT CONSULTANTS EIN 94-3253397 NONE | Legal; Direct payment from the plan Service code 29 | — | $9K |
| LINSCOMB & WILLIAMS EIN 74-1939813 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $8K |
| FIRST REPUBLIC INVESTMENT MANAGEMEN EIN 22-3623353 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $7K |
| PACIFIC COAST INVESTMENT ADVISOR EIN 30-0356597 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $6K |
| FORT HENRY CAPITAL EIN 46-4781142 NONE | Direct payment from the plan; Investment management Service code 28 | — | $6K |
| CHARLES SCHWAB BANK EIN 42-1558009 NONE | Trustee (directed); Other services; Investment management fees paid indirectly by plan; Float revenue; Direct payment from the plan Service code 25 | — | $100 |
| 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 | 1,699 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 797 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 11 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 2,507 | 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."
No prospect flags tripped on this filing.