| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EPIC3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 95420 | CIGNA HEALTH AND LIFE INSURANCE COMPANY & AFFILIATES | — | $83K | $83K | 2.64% |
| ASCENDE, INC.3 Filed as: ASCENDE INC. | 2700 POST OAK BLVD. SUITE 2500 HOUSTON, TX 77056 | CIGNA HEALTH AND LIFE INSURANCE COMPANY & AFFILIATES | — | $39K | $39K | 1.23% |
| EPIC3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 95420 | CIGNA HEALTH AND LIFE INSURANCE COMPANY & AFFILIATES | $3K | $24K | $27K | 3.04% |
| ASCENDE, INC.3 Filed as: ASCENDE INC | 2700 POST OAK BLVD SUITE 2500 HOUSTON, TX 77056 | CIGNA HEALTH AND LIFE INSURANCE COMPANY & AFFILIATES | $337 | $10K | $11K | 1.18% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $2K | $13K | 17.40% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $1K | $9K | 16.99% |
| ASCENDE, INC.3 Filed as: ASCENDE INC | 2700 POST OAK BLVD SUITE 2500 HOUSTON, TX 77056 | FIRST CONTINENTAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 9.09% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 102159 PASADENA, CA 91189 | VISION SERVICE PLAN | $1K | — | $1K | 4.65% |
| ASCENDE, INC.3 Filed as: ASCENDE INC. | 2700 POST OAK BLVD. SUITE 2500 HOUSTON, TX 77056 | FIRST CONTINENTAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 11.62% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $218 | $2K | 17.19% |
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 | 255 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY & AFFILIATES | 429 | $4.0M |
| Dental(4 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY & AFFILIATES | 429 | $4.1M |
| Vision | VISION SERVICE PLAN | 378 | $28K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 231 | $74K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 255 | $51K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 231 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 429 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.