| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASCENDE, INC.3 Filed as: ASCENDE INC | 2700 POST OAK BLVD. 25TH FL HOUSTON, TX 77056 | DELTA DENTAL OF CALIFORNIA | $7K | — | $7K | 0.49% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD. 25TH FL HOUSTON, TX 77056 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 3.50% |
| ASCENDE, INC.3 Filed as: ASCENDE INC | 2700 POST OAK BLVD FL 25 HOUSTON, TX 770565705 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $390 | $2K | 0.69% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $531 | $1K | $2K | 0.61% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 100 BAYVIEW CIR NEWPORT BEACH, CA 926602983 | METROPOLITAN LIFE INSURANCE COMPANY | — | $29 | $29 | 0.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD. 25TH FL HOUSTON, TX 77056 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 3.17% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD. 25TH FL HOUSTON, TX 77056 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 3.50% |
| ASCENDE, INC.3 Filed as: ASCENDE INC | 2700 POST OAK BLVD. 25TH FL HOUSTON, TX 77056 | DELTA DENTAL OF CALIFORNIA | $385 | — | $385 | 1.29% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD. 25TH FL HOUSTON, TX 77056 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 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 | 2,168 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 62 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 65 | $343K |
| Dental(4 contracts, 3 carriers) | DELTA DENTAL OF CALIFORNIA | 4,284 | $1.6M |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,933 | $437K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,629 | $343K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,629 | $184K |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 65 | $343K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,629 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,933 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.