| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $10K | $661 | $1K | +1409.0% |
| Broker comp per covered life | $4 | $21 | $28 | -80.2% |
| Broker comp % of premium | 0.0% | 2.3% | 3.7% | -2.3 pp |
| Retention rate | 0.1% | 0.0% | 2.5% | |
| Premium YoY % | 1027.5% | -10.6% | 53.5% | +1038.1 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC NON MEDICAL SOLUTIONS LLC3 | 1 BEACON ST STE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $243K | $243K | 0.52% |
| STRATEGIC NON MEDICAL SOLUTIONS LLC3 | 1 BEACON ST STE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $70K | $70K | 0.18% |
| AON CONSULTING3 | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $167K | $111 | $167K | 2.19% |
| STRATEGIC NON MEDICAL SOLUTIONS LLC3 | 1 BEACON ST STE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $69K | $69K | 0.93% |
| STRATEGIC NON MEDICAL SOLUTIONS LLC3 | P.O. BOX 746600 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $41K | $0 | $41K | 1.67% |
| STRATEGIC NON MEDICAL SOLUTIONS LLC3 | P.O. BOX 746600 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $41K | $0 | $41K | 1.72% |
| STRATEGIC NON MEDICAL SOLUTIONS LLC3 | P.O. BOX 746600 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | $7K | $29K | 2.13% |
| STRATEGIC NON MEDICAL SOLUTIONS LLC3 | P.O. BOX 746600 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $473 | $0 | $473 | 1.50% |
| STRATEGIC NON MEDICAL SOLUTIONS LLC3 | P.O. BOX 746600 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $107 | $0 | $107 | 1.51% |
| STRATEGIC NON MEDICAL SOLUTIONS LLC3 | P.O. BOX 746600 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15 | $0 | $15 | 1.50% |
| STRATEGIC NON MEDICAL SOLUTIONS LLC3 | P.O. BOX 746600 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15 | $0 | $15 | 1.50% |
| STRATEGIC NON MEDICAL SOLUTIONS LLC3 | P.O. BOX 746600 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15 | $0 | $15 | 1.50% |
| STRATEGIC NON MEDICAL SOLUTIONS LLC3 | P.O. BOX 746600 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15 | $0 | $15 | 1.50% |
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 | 98,359 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 902 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 99,261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 158,963 | $10.1M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 98,359 | $85.3M |
| Short-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 98,359 | $47.8M |
| Other(10 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 100,166 | $13.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158,963 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.