| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASCENDE, INC.3 | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 77056 | AETNA LIFE INSURANCE CO. | $240K | $169 | $240K | 4.21% |
| ASCENDE, INC.3 | 2700 POST OAK BLVD. HOUSTON, TX 77056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | $2K | $30K | 16.25% |
| ASCENDE, INC.3 | 2700 POST OAK BLVD, 25TH FLOOR HOUSTON, TX 77056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $871 | $11K | 16.25% |
| ASCENDE, INC.3 | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 770565784 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $4K | — | $4K | 8.33% |
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 | 831 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 849 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 1,002 | $5.7M |
| Dental | AETNA LIFE INSURANCE CO. | 1,002 | $5.7M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 769 | $45K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 831 | $255K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 831 | $185K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 831 | $185K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 831 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,002 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.