| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $3K | $19K | 11.45% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD. 25TH FLOOR HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $557 | $4K | 11.54% |
| EPIC3 Filed as: ASCENDE,INC.(EPIC) | 2700 POST OAK BLVD. 25TH FLOOR HOUSTON, TX 77056 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 9.28% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD. 25TH FLOOR HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $622 | $4K | 12.03% |
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 | 355 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 603 | $35K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 577 | $167K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 355 | $36K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 414 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 603 | — |
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.