| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASCENDE, INC.3 | 2700 POST OAK BLVD. 25TH FLOOR HOUSTON, TX 77056 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | $155K | $171K | 3.86% |
| ASCENDE, INC.3 | 2700 POST OAK BLVD. 25TH FLOOR HOUSTON, TX 77056 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $12K | $12K | 0.28% |
| ASCENDE, INC.3 Filed as: ASCENDE, INC | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 77056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $4K | $24K | 8.63% |
| ASCENDE, INC.3 | 2700 POST OAK BLVD. 25TH FLOOR HOUSTON, TX 77056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $2K | $27K | 25.49% |
| ASCENDE, INC.3 | 2700 POST OAK BLVD. 25TH FLOOR HOUSTON, TX 77056 | EYEMED VISION CARE | $3K | — | $3K | 9.00% |
| THOMAS E MESTMAKER INSURANCE AGENCY3 | P.O. BOX 14067 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6 | — | $6 | 21.43% |
| ASCENDE, INC.3 Filed as: ASCENDE, INC | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4 | — | $4 | 14.29% |
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 | 576 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 593 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,017 | $4.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,017 | $4.4M |
| Vision | EYEMED VISION CARE | 785 | $36K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 576 | $388K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 576 | $283K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 576 | $283K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,017 | $4.4M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 576 | $388K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,017 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.