| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASCENDE, INC.3 | 2700 POST OAK BLVD FL 25 HOUSTON, TX 77056 | UNITEDHEALTHCARE INSURANCE COMPANY | $34K | $128K | $161K | 3.39% |
| ASCENDE, INC.3 | 2700 POST OAK BLVD 25TH FL HOUSTON, TX 77056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $975 | $21K | 20.99% |
| ASCENDE, INC.3 | 2700 POST OAK BLVD 25TH FL HOUSTON, TX 77056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $866 | $13K | 16.06% |
| ASCENDE, INC.3 | 2700 POST OAK BLVD 25TH FL HOUSTON, TX 77056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | $688 | $28K | 56.08% |
| ASCENDE, INC.3 | 2700 POST OAK BLVD 25TH FL HOUSTON, TX 77056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $356 | $6K | 16.01% |
| ASCENDE, INC.3 | 2700 POST OAK BLVD 25TH FL HOUSTON, TX 77056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $443 | $6K | 16.27% |
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 | 366 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 64 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 430 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 799 | $4.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 799 | $4.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 799 | $4.8M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 256 | $98K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 366 | $82K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $70K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 355 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 799 | — |
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.