| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASCENDE, INC.3 | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 77056 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $65K | $65K | 2.50% |
| ASCENDE, INC.3 Filed as: ASCENDE INC. | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 77056 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 0.84% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE COMPANY | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $8K | $26K | 21.62% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE COMPANY | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 77056 | LIFE INSRUANCE OF NORTH AMERICA | $9K | $965 | $10K | 16.61% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE COMPANY | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $3K | $11K | 19.81% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE COMPANY | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 77056 | LIFE INSURANCE OF NORTH AMERICA | $2K | $398 | $3K | 17.40% |
| PETER J MACE3 | 5775 D GLENRIDGE DR. STE. 350 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 3.13% |
| GBC BENEFITS LTD3 | 3221 COLLINSWORTH ST FORT WORTH, TX 76107 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 239 | $2.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 234 | $198K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 234 | $198K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 258 | $121K |
| Short-term disability | LIFE INSRUANCE OF NORTH AMERICA | 147 | $60K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 258 | $56K |
| Other | LIFE INSURANCE OF NORTH AMERICA | 258 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.