| 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 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $58K | $3K | $60K | 10.67% |
| WISTED, DANIEL, J3 Filed as: WISTED, DANIEL J | 3440 PRESTON RIDGE RD, STE 325 ALPHARETTA, GA 30005 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $17K | $24K | $41K | 32.33% |
| BOOK MICHAEL A3 Filed as: BOOK, MICHAEL A | 530 5TH AVE FL 11 NEW YORK, NY 100365101 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5K | $5K | $9K | 7.47% |
| MAUDE, HAROLD E JR.3 | 40 MONUMENT RD BALA CYNWYD, PA 190041700 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $486 | $0 | $486 | 0.38% |
| FISHMAN HARRIS S3 Filed as: FISHMAN, HARRIS S | 2 BALA PLZ STE 901 BALA CYNWYD, PA 190041501 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $121 | $0 | $121 | 0.10% |
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 | 1,334 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,254 | $693K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,254 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.