| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASCENDE, INC.3 | 2700 POST OAK BLVD. 25TH FLOOR HOUSTON, TX 77056 | DELTA DENTAL OF CALIFORNIA | $4K | — | $4K | 0.27% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PL CHICAGO, IL 60673 | DELTA DENTAL OF CALIFORNIA | $4K | — | $4K | 0.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $16 | $2K | 1.39% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.19% |
| ASCENDE, INC.3 | 2700 POST OAK BLVD. 25TH FLOOR HOUSTON, TX 770565784 | METROPOLITAN LIFE INSURANCE COMPANY | $937 | $213 | $1K | 0.79% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 100 BAYVIEW CIR NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $1 | $16 | $17 | 0.01% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PL CHICAGO, IL 60673 | DELTA DENTAL OF CALIFORNIA | $798 | — | $798 | 0.67% |
| ASCENDE, INC.3 | 2700 POST OAK BLVD. 25TH FLOOR HOUSTON, TX 77056 | DELTA DENTAL OF CALIFORNIA | $743 | — | $743 | 0.62% |
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 | 1,600 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,623 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 2,627 | $1.6M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,908 | $145K |
| Other | BLUE CROSS OF CALIFORNIA | 1,600 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,908 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.