| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LARRY G SHOWLEY3 | 3838 CAMINO DEL RIO N STE 214 SAN DIEGO, CA 921081763 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $24 | — | $24 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DOWLING & YAHNKE LLC EIN 26-0266092 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $37K |
| MERCER GLOBAL ADVISORS INC EIN 74-3257877 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $16K |
| MISSION WEALTH MANAGEMENT LLC EIN 95-4783206 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $14K |
| CHARLES SCHWAB & CO INC EIN 94-1737782 NONE | Other investment fees and expenses; Shareholder servicing fees; Securities brokerage; Float revenue; Direct payment from the plan; Securities brokerage commissions and fees Service code 33 | — | $7K |
| REBALANCE INC EIN 45-2585894 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $5K |
| WEATHERLY ASSET MANAGEMENT EIN 33-0638187 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $5K |
| SCHWAB RETIREMENT PLAN SERVICES INC EIN 34-1479833 NONE | Direct payment from the plan; Shareholder servicing fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees Service code 15 | — | $4K |
| 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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 34 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | MASSACHUSETTS MUTUAL 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.