| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD. 25TH FLOOR HOUSTON, TX 77056 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $23K | — | $23K | 0.88% |
| ASCENDE, INC.3 Filed as: ASCENDE, INC | 2700 POST OAK BLVD. 25TH FLOOR HOUSTON, TX 77056 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $16K | — | $16K | 4.62% |
| ASCENDE, INC.3 Filed as: ASCENDE, INC | 2700 POST OAK BLVD. 25TH FLOOR HOUSTON, TX 77056 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $18K | — | $18K | 9.13% |
| ASCENDE, INC.3 Filed as: ASCENDE, INC | 2700 POST OAK BLVD. 25TH FLOOR HOUSTON, TX 77056 | 1.800MD, LLC | $12K | — | $12K | 30.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD HEALTHCARE EIN 58-1638390 CONTRACT ADMINISTRATOR | Contract Administrator; Other fees; Other commissions; Insurance agents and brokers; Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Insurance brokerage commissions and fees Service code 12 | — | $492K |
| BLUE CROSS BLUE SHIELD OF GA, INC. EIN 58-0469845 CONTRACT ADMINISTRATOR | Other commissions; Insurance agents and brokers; Other services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Claims processing; Insurance brokerage commissions and fees; Contract Administrator Service code 12 | — | $140K |
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 | 1,335 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 221 | $3.0M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,945 | $201K |
| Other | 1.800MD, LLC | 1,032 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,945 | — |
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.