| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 77056 | UNITEDHEALTHCARE INSURANCE COMPANY | $803 | $22K | $23K | 3.14% |
| EPIC3 Filed as: ASCENDE DIVISION OF EPIC | 425 CALIFORNAI STREET SUITE 2400 SAN FRANCISCO, CA 941042215 | HUMANADENTAL INSURANCE COMPANY | $7K | — | $7K | 18.74% |
| EPIC3 Filed as: ASCENDE DIVISION OF EPIC | 425 CALIFORNIA STREET SUITE 2400 SAN FRANCISCO, CA 941042215 | HUMANA INSURANCE COMPANY | $736 | — | $736 | 5.45% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET 21ST FLOOR SAN FRANCISCO, CA 941058115 | HUMANA INSURANCE COMPANY | $471 | — | $471 | 3.49% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 945240668 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 13.69% |
| ACENDE, INC.3 Filed as: ACENDE INC | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 770565784 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $163 | — | $163 | 1.32% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 945240668 | THE LINCOLN NATION LIFE INSURANCE COMPANY | $1K | — | $1K | 13.59% |
| ASCENDE, INC.3 Filed as: ASCENDE INC | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 770565784 | THE LINCOLN NATION LIFE INSURANCE COMPANY | $153 | — | $153 | 1.41% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 945240668 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 13.77% |
| ASCENDE, INC.3 Filed as: ASCENDE INC | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 770565784 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $132 | — | $132 | 1.23% |
| EPIC3 Filed as: ASCENDE DIVISION OF EPIC | 425 CALIFORNIA STREET SUITE 2400 SAN FRANCISCO, CA 941042215 | DENTICARE, INC. | $957 | — | $957 | 17.86% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 945240668 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $602 | — | $602 | 13.37% |
| ASCENDE, INC.3 Filed as: ASCENDE INC | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 770565784 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $73 | — | $73 | 1.62% |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 153 | $733K |
| Dental(2 contracts, 2 carriers) | HUMANADENTAL INSURANCE COMPANY | 73 | $42K |
| Vision | HUMANA INSURANCE COMPANY | 89 | $13K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 146 | $15K |
| Short-term disability | THE LINCOLN NATION LIFE INSURANCE COMPANY | 41 | $11K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 28 | $12K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 60 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.