| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASCENSION INSURANCE AGENCY3 Filed as: ASCENSION BNFTS AND INS. SOLUTIONS | 1277 TREAT BOULEVARD, SUITE 400 WALNUT CREEK, CA 94597 | KAISER FOUNDATION HEALTH PLAN INC | $37K | — | $37K | 1.21% |
| ASCENSION INSURANCE AGENCY3 Filed as: ASCENSION BNFTS AND INS. SOLUTIONS | 1277 TREAT BOULEVARD, SUITE 400 WALNUT CREEK, CA 94597 | SYMETRA LIFE INSURANCE COMPANY | $42K | $9K | $52K | 16.84% |
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 | 903 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 28 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 945 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 544 | $3.0M |
| Vision | VISION SERVICE PLAN | 707 | $77K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 982 | $306K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 982 | $306K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 544 | $3.0M |
| Other | SYMETRA LIFE INSURANCE COMPANY | 982 | $306K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 982 | — |
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.