| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASCENDE, INC.3 | 2700 POST OAK BLVD. 25TH FLOOR HOUSTON, TX 77056 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $132K | $145K | 4.23% |
| ASCENDE, INC.3 Filed as: ASCENDE, INC | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 77056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $5K | $18K | 5.96% |
| ASCENDE, INC.3 | 2700 POST OAK BLVD. 25TH FLOOR HOUSTON, TX 77056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $652 | $6K | 7.17% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES IN | 9009 WEST LOOP SOUTH, STE 600 ATTN KEISHA AUTMON HOUSTON, TX 77096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $258 | — | $258 | 0.30% |
| ASCENDE, INC.3 | 2700 POST OAK BLVD. 25TH FLOOR HOUSTON, TX 77056 | EYEMED VISION CARE | $3K | — | $3K | 10.90% |
| TOM MESTMAKER5 | 1675 CHESTER AVENUE, SUITE 400 BAKERSFIELD, CA 93301 | CIGNA GROUP INSURANCE | — | $664 | $664 | 20.00% |
| ASCENDE, INC.3 Filed as: ASCENDE, INC | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 77056 | CIGNA GROUP INSURANCE | $498 | — | $498 | 15.00% |
No Schedule C service providers reported on this filing.
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 | 452 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 456 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 814 | $3.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 814 | $3.4M |
| Vision | EYEMED VISION CARE | 590 | $30K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 452 | $400K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 452 | $309K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 452 | $309K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 814 | $3.4M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 452 | $400K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 814 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.