| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASCENDE, INC.3 Filed as: ASCENDE | 2700 POAST OAK BLVD 25TH FLOOR HOUSTON, TX 77056 | BLUE CROSS BLUE SHIELD OF TEXAS | $158K | $2K | $161K | 4.75% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 77056 | UNITED HEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | $3K | $30K | 16.86% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF AMERICA | $15K | $4K | $18K | 18.59% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 102159 SAN FRANCISCO, CA 94102 | VISION SERVICE PLAN | $1K | — | $1K | 4.15% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $579 | $5K | 17.20% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES, INC | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| EPIC3 Filed as: EPIC INC | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 77056 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| ASCENDE, INC.3 Filed as: ASCENDE INC | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 77056 | FOUR EVER LIFE INS CO | $530 | — | $530 | 14.99% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 449 | $3.4M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 439 | $178K |
| Vision | VISION SERVICE PLAN | 162 | $29K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 204 | $176K |
| Long-term disability | LIFE INSURANCE COMPANY OF AMERICA | 155 | $98K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 204 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 449 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.