| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASCENDE, INC.3 | 2700 POST OAK BLVD. 25TH FLOOR HOUSTON, TX 77056 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $140K | — | $140K | 6.00% |
| ASCENDE, INC.3 | 2700 POST OAK BLVD. 25TH FLOOR HOUSTON, TX 770565784 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | — | $21K | 10.00% |
| LLOYD R BARDWELL3 | 90 WOOD POINT COURT DALLAS, GA 30157 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27K | — | $27K | 14.69% |
| STEVEN MONEY3 Filed as: STEVEN D MONEY | P.O. BOX 550815 ATLANTA, GA 30355 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 3.10% |
| ELENI A NIKOLAS3 Filed as: ELENI A KRAUSE | 2110 CHARMARI E CT MARIETTA, GA 30062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 1.90% |
| ELENI A NIKOLAS3 | 2110 CHARMARI E CT MARIETTA, GA 30062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $71 | — | $71 | 0.04% |
| ASCENDE, INC.3 | 2700 POST OAK BLVD. 25TH FLOOR HOUSTON, TX 770565784 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| ASCENDE, INC.3 | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 770565784 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| ASCENDE, INC.3 | 2700 POST OAK BLVD. 25TH FLOOR HOUSTON, TX 77056 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| ASCENDE, INC.3 | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 770565784 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| ASCENDE, INC.3 | 2700 POST OAK BLVD. 25TH FLOOR HOUSTON, TX 77056 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| YVETTE MAYO4 | P.O. BOX 5025 WINTER PARK, FL 32793 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | — | $2K | 15.15% |
| JOHN R. MAYO4 | P.O. BOX 5025 WINTER PARK, FL 32793 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $314 | — | $314 | 2.05% |
| VICKY METHVEN4 | 10917 NE 41ST DR KIRKLAND, WA 98033 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $233 | — | $233 | 1.52% |
| TAMMY L. DAVIS4 | 3534 PRINCE RD AUGUSTA, GA 30906 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $20 | — | $20 | 0.13% |
| MERCER HEALTH AND BENEFITS, LLC4 Filed as: TERRY L. MERCER | 325 HANCOCK LN ATHENS, GA 30605 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $10 | — | $10 | 0.07% |
| ASCENDE, INC.3 | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 770565784 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $457 | — | $457 | 10.01% |
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 | 331 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 447 | $2.3M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 282 | $213K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 232 | $34K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 331 | $25K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 216 | $72K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 332 | $31K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 447 | $2.3M |
| Other(5 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 361 | $292K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 447 | — |
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.