| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD. SUITE 2500 HOUSTON, TX 770565784 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $200K | $0 | $200K | 3.90% |
| FIDELITY HEALTH INSURANCE SERVICES3 Filed as: FIDELITY EMPLOYER SERVICES INC | 200 SEAPORT BLVD ZW10B BOSTON, MA 02210 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $75K | $0 | $75K | 1.46% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD. SUITE 2500 HOUSTON, TX 770565784 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $40K | $0 | $40K | 0.79% |
| MIGU PRESS INC5 | 260 IVYLAND ROAD WARMINSTER, PA 189740000 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 0.03% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 0.03% |
| ASCENDE, INC.3 Filed as: ASCENDE INC | 2700 POST OAK BLVD HOUSTON, TX 770565784 | AETNA LIFE INSURANCE COMPANY | $58K | $0 | $58K | 4.17% |
| FIDELITY HEALTH INSURANCE SERVICES3 Filed as: FIDELITY EMPLOYER INS SERVICES INC | 200 SEAPORT BLVD BOSTON, MA 02210 | FOUR EVER LIFE INS CO. | $8K | $0 | $8K | 15.00% |
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 | 3,543 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 244 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,787 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 165 | $1.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 165 | $1.4M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 2,758 | $1.8M |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,513 | $5.1M |
| Short-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,513 | $5.1M |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,513 | $5.1M |
| Other(3 contracts, 3 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,852 | $5.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,852 | — |
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.