| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASCENDE, INC.3 Filed as: ASCENDE INC | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 77056 | BLUE CROSS OF CALIFORNIA | $27K | — | $27K | 3.39% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | BLUE CROSS OF CALIFORNIA | $14K | — | $14K | 1.82% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 333 S HOPE ST #3750 LOS ANGELES, CA 90071 | BLUE CROSS OF CALIFORNIA | $0 | $514 | $514 | 0.07% |
| ASCENDE, INC.3 Filed as: ASCENDE INC | 2700 POST OAK BLVD FL 25 HOUSTON, TX 770565784 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | $355 | $26K | 4.20% |
| ART HAUSER INSURANCE INC3 | 5905 E GALBRAITH RD STE 9000 CINCINNATI, OH 452362383 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $203 | $12K | 1.89% |
| ASCENDE, INC.3 Filed as: ASCENDE INC | 2700 POST OAK BLVD SUITE 2500 HOUSTON, TX 77056 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 9.55% |
| ART HAUSER INSURANCE INC3 | 5905 E GALBRAITH RD, STE 9000 CINCINNATI, KS 45236 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $7K | $11K | 5.97% |
| ASCENDE, INC.3 Filed as: ASCENDE INC | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 77056 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $421 | — | $421 | 3.39% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $226 | — | $226 | 1.82% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 333 S HOPE ST #3750 LOS ANGELES, CA 90071 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $0 | $8 | $8 | 0.06% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC | 90 MAIN STREET BATAVIA, NY 14020 | PRINCIPAL LIFE INSURANCE COMPANY | $334 | — | $334 | 2.90% |
| ART HAUSER INSURANCE INC3 | 5905 E GALBRAITH RD STE 9000 CINCINNATI, OH 452362383 | PRINCIPAL LIFE INSURANCE COMPANY | $114 | — | $114 | 0.99% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INS INC | 5905 E GALBRAITH RD STE 9000 CINCINNATI, OH 452362375 | METROPOLITAN LIFE INSURANCE COMPANY | $200 | $404 | $604 | 5.34% |
| ASCENDE, INC.3 Filed as: ASCENDE INC | 2700 POST OAK BLVD FL 25 HOUSTON, TX 770565705 | METROPOLITAN LIFE INSURANCE COMPANY | $347 | $23 | $370 | 3.27% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD FL 25 HOUSTON, TX 770565705 | METROPOLITAN LIFE INSURANCE COMPANY | $318 | — | $318 | 2.81% |
| ASCENDE, INC.3 Filed as: ASCENDE INC | 2700 POST OAK BLVD HOUSTON, TX 77056 | AETNA INC | $315 | — | $315 | 3.08% |
| ZP INSURANCE LLC DBA WITH GUSTO INS3 | 500 3RD ST SAN FRANCISCO, CA 94107 | AETNA INC | $149 | — | $149 | 1.46% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | PO BOX CONCORD, CO 945240668 | PRINCIPAL LIFE INSURANCE COMPANY | $232 | — | $232 | 5.50% |
| ART HAUSER INSURANCE INC3 | 5905 E GALBRAITH RD STE 9000 CINCINNATI, NJ 452362383 | PRINCIPAL LIFE INSURANCE COMPANY | $116 | — | $116 | 2.75% |
| INS EXCHANGE LLC3 Filed as: INS EXCHANGE INC | 9713 KEY WEST AVENUE STE 401 ROCKVILLE, AK 20850 | PRINCIPAL LIFE INSURANCE COMPANY | — | $67 | $67 | 1.59% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 77056 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $187 | — | $187 | 6.38% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC | 1767 SENTRY PKWY W STE 210 BLUE BELL, PA 194222233 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $41 | — | $41 | 1.40% |
| ASCENDE, INC.3 Filed as: ASCENDE INC | 2700 POST OAK BLVD SUITE 2500 HOUSTON, TX 77056 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $127 | — | $127 | 7.77% |
| ZP INSURANCE LLC3 | 500 3RD STREET #405 SAN FRANCISCO, CA 94107 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $36 | — | $36 | 2.20% |
| WEALTH DESIGN GROUP, LLC3 | 3040 POST OAK BLVD HOUSTON, TX 77056 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.06% |
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 | 379 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | BLUE CROSS OF CALIFORNIA | 213 | $1.6M |
| Dental(6 contracts, 5 carriers) | BLUE CROSS OF CALIFORNIA | 380 | $995K |
| Vision(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 380 | $202K |
| Life insurance(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 380 | $207K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 380 | $188K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 380 | $192K |
| Prescription drug(6 contracts, 6 carriers) | BLUE CROSS OF CALIFORNIA | 213 | $1.6M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 380 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 380 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.