| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASCENSION BENEFITS & INS. SOLUTIONS3 Filed as: ASCENSION INS SERVICES INC. | 1277 TREAT BLVD SUITE 650 WALNUT CREEK, CA 94597 | STANDARD INSURANCE COMPANY | $43K | $3K | $47K | 12.98% |
| ASCENSION BENEFITS & INS. SOLUTIONS3 Filed as: ASCENSION INS SERVICES INC | 1277 TREAT BLVD SUITE 650 WALNUT CREEK, CA 94597 | STANDARD INSURANCE COMPANY | $4K | $274 | $4K | 12.26% |
| JEANETTE HUBER3 | 46075 BURROWEED LANE PALM DESERT, CA 92260 | HARTFORD LIFE AND ACCIDENT | $370 | — | $370 | 12.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCOMP ADMINISTRATORS EIN 77-0385729 CONTRACT ADMIN | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $319K |
| BLUE CROSS EIN 95-4331852 PPO/UR VENDOR | Contract Administrator; Direct payment from the plan; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $247K |
| MCINNES MAGGART CONSULTING EIN 48-1108277 BROKER | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $90K |
| MEDTRAK SERVICES EIN 36-4221427 RX VENDOR | Claims processing; Direct payment from the plan Service code 12 | — | $69K |
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 | 923 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 926 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF CALIFORNIA | 927 | $34K |
| Vision | VISION SERVICE PLAN | 923 | $133K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,511 | $359K |
| Long-term disability | STANDARD INSURANCE COMPANY | 91 | $31K |
| Stop-loss / reinsurancereinsurance | TRANSAMERICA PREMIER LIFE INS COMPANY | 922 | $524K |
| Other | HARTFORD LIFE AND ACCIDENT | 12 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,511 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.