| 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 | $32K | — | $32K | 2.75% |
| ASCENDE, INC.3 Filed as: ASCENDE INC | 7092 JACKSON DRIVE SAN DIEGO, CA 92119 | BLUE CROSS OF CALIFORNIA | $18K | — | $18K | 1.54% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | BLUE CROSS OF CALIFORNIA | — | $10 | $10 | 0.00% |
| ASCENDE, INC.3 Filed as: ASCENDE INC | 2700 POST OAK BLVD FL 25 HOUSTON, TX 770565784 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $49K | $49K | 5.43% |
| ASCENDE, INC.3 Filed as: ASCENDE INC | 2700 POST OAK BLVD SUITE 2500 HOUSTON, TX 77056 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $35K | $5K | $40K | 13.23% |
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 | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 251 | $2.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 452 | $300K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 452 | $300K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 452 | $300K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 452 | $300K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 452 | $300K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 251 | $2.1M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 452 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 452 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.