| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $4K | $570 | $900 | +599.6% |
| Broker comp per covered life | $50 | $20 | $32 | +150.3% |
| Broker comp % of premium | 1.2% | 3.4% | 5.6% | -2.2 pp |
| Retention rate | 0.7% | 0.0% | 0.1% | |
| Premium YoY % | 7.9% | -3.0% | -13.1% | +10.8 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | AETNA LIFE INSURANCE CO. | $111K | — | $111K | 0.11% |
| AON INSURANCE AGENCY LLC3 | 39030 TREASURY CTR CHICAGO, IL 60694 | UNITEDHEALTHCARE INSURANCE COMPANY | $108K | $833K | $941K | 2.16% |
| AON INSURANCE AGENCY LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | — | $802K | $802K | 2.04% |
| AON INSURANCE AGENCY LLC3 | 200 E RANDOLPH ST CHICAGO, IL 606016436 | KAISER FOUNDATION HEALTH PLAN, INC. | $303K | — | $303K | 2.15% |
| AON INSURANCE AGENCY LLC3 | 200 E RANDOLPH ST CHICAGO, IL 606016436 | KAISER FOUNDATION HEALTH PLAN, INC. | $249K | — | $249K | 1.99% |
| AON INSURANCE AGENCY LLC3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | MEDICAL MUTUAL | $213K | $22 | $213K | 2.01% |
| AON INSUR AGENCY LLC-JENNIFER BUCK3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | DELTA DENTAL OF OHIO | $307K | — | $307K | 3.73% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | METROPOLITAN LIFE INSURANCE COMPANY | $248K | — | $248K | 4.17% |
| AON INSURANCE AGENCY LLC3 | 200 E RANDOLPH STREET CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | $103K | — | $103K | 2.01% |
| AON INSURANCE AGENCY LLC3 | ILLINOIS INS AGENCY LLC 39030 TREASURY CENTER CHICAGO, IL 606949000 | HEALTH NET | $81K | — | $81K | 1.95% |
| AON INSURANCE AGENCY LLC3 | 200 E RANDOLPH STREET CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $79K | — | $79K | 1.98% |
| AON INSURANCE AGENCY LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES(CIGNA) | $102K | — | $102K | 3.96% |
| AON INSURANCE AGENCY LLC3 | 4 OVERLOOK PARK LINCOLNSHIRE, IL 60069 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $48K | — | $48K | 1.85% |
| AON INSURANCE AGENCY LLC3 | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | UPMC HEALTH OPTIONS | $44K | — | $44K | 2.01% |
| AON INSURANCE AGENCY LLC3 | 200 E RANDOLPH STREET CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $23K | — | $23K | 1.69% |
| JENNIFER N BUCK3 | 305 W 6TH STREET PECATONICA, IL 61063 | PRIORITY HEALTH INSURANCE COMPANY | $26K | — | $26K | 2.00% |
| AON INSURANCE AGENCY LLC - EXCHANGE3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | EYEMED VISION CARE | $52K | — | $52K | 5.09% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CTR CHICAGO, IL 606949000 | VISION SERVICE PLAN | $44K | — | $44K | 5.01% |
| CUSTOM BENEFIT PROGRAMS, INC.3 | 897 12TH STREET HAMMONTON, NJ 08037 | LEGALPLANS, USA | $144K | — | $144K | 20.34% |
| AON INSURANCE AGENCY LLC3 | 200 E RANDOLPH STREET CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $13K | — | $13K | 2.06% |
| HEWITT INSURANCE BROKERAGE LLC3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | GEISINGER QUALITY OPTIONS, INC. | $4K | — | $4K | 2.00% |
| AON INSURANCE AGENCY LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | ALPHA DENTAL PROGRAMS, INC. | $6K | — | $6K | 3.99% |
| JENNIFER BUCK3 | AON INSURANCE AGENCY LLC MCS# 17755, PO BOX 1447 LINCOLNSHIRE, IL 60069 | DEAN HEALTH PLAN INC | $950 | — | $950 | 1.09% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $1K | — | $1K | 4.10% |
| JENNIFER BUCK3 | AON INSURANCE AGENCY LLC MSC# 17755, PO BOX 1447 LINCOLNSHIRE, IL 60069 | PREVEA360 HEALTH PLAN | $300 | — | $300 | 1.51% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | $511 | — | $511 | 3.93% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | SAFEGUARD HEALTH PLANS, INC. A TEXAS CORPORATION | $282 | — | $282 | 4.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALIGHT SOLUTIONS EIN 82-1061233 CONSULTING | Consulting (general); Direct payment from the plan Service code 16 | — | $958K |
| COMPSYCH EIN 36-3739783 CONTRACT ADMINISTRATOR | Direct payment from the plan; Contract Administrator Service code 13 | — | $562K |
| ERNST & YOUNG EIN 34-6465596 ACCOUNTING | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $360K |
| WEBSTER BANK EIN 06-0273620 CONTRACT ADMINISTRATOR | Contract Administrator; Direct payment from the plan Service code 13 | — | $125K |
| CIGNA EIN 59-1031071 CONTRACT ADMINISTRATOR | Claims processing; Named fiduciary; Participant communication; Contract Administrator; Other services; Float revenue; Direct payment from the plan; Non-monetary compensation Service code 12 | — | $58K |
| JP MORGAN EIN 13-3200244 TRUSTEE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $4K |
| EXPRESS SCRIPTS EIN 43-1420563 CONTRACT ADMINISTRATOR | Contract Administrator; Direct payment from the plan Service code 13 | — | $889 |
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 | 71,069 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 361 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 71,438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(21 contracts, 19 carriers) | AETNA LIFE INSURANCE CO. | 26,512 | $297.0M |
| Dental(11 contracts, 10 carriers) | AETNA LIFE INSURANCE CO. | 26,512 | $157.4M |
| Vision(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 26,512 | $51.4M |
| Prescription drug(3 contracts, 3 carriers) | MEDICAL MUTUAL | 920 | $13.5M |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES(CIGNA) | 79,558 | $5.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 79,558 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.