actives, and then you offer the same dental h.m.o.s to the retirees injury to the fully insured delta dental p.p.o. for each of the fully insured delta plans, rates will remain at 2018 levels to 2019. based on the rate and renewals prepared by delta dental and united health care. we also have the option of looking at adding the smileway to the retiree population as well, since we have elected to add it to the actives. the following pages we present the renewals with the rates, so on the next slide is a delta dental retiree p.p.o., so here you can see that with the status quo plan, the 2018, really 2021 renewal would be no change. so, they are proposing keeping costs flat through 2021 for the retirees. with the smileway benefit that, is the table below, then this would increase the rate by 1.9%. on the following page we look at the delta care h.m.o. plan, and here for both actives and retirees, no change from 18 to 19, and the rates are through 20-21. >> president scott: these rates below are guaranteed through 20-21? >> although we approve them annually. >> i understand. the first sentence 2021. >

dental renewals, not just delta. we will spend a significant amount of time talking about the delta dental active p.p.o., as mentioned in the previous presentation we have several recommendations for plan changes for that plan, and in general, the fully insured plans and retiree plan, fewer items for discussion. if we are going to start on slide three with the active plan, and as we review the 2017 experience, as we discussed, 2017 generated a significant amount of surplus, added to the prior stablization balance, and before applying any balance to the 2019 rates, stablization had ballooned up to 28% of the 2017 plan costs, fairly large amount of reserve. so, suggesting methodology changes how the rates are set and potential benefit enhancements to benefit the members going into 2019. the next slide has a table of the actual experience for that plan, a lot here, but starting on the left we start with enrollment by month, and what you are going to see is subscribers and total dependents increasing slightly throughout the year, about 31,000 total employees on this plan, with additional 40,000 members. we then show the