| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $5K | $643 | $2K | +659.9% |
| Broker comp per covered life | $3 | $11 | $25 | -67.4% |
| Broker comp % of premium | 0.1% | 1.2% | 2.6% | -1.1 pp |
| Retention rate | 0.0% | 0.0% | 1.8% | |
| Premium YoY % | -23.1% | -4.4% | 32.8% | -18.8 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH & BENEFITS LLC3 | 333 S SEVENTH STREET #1400 MINNEAPOLIS, MN 55402 | HIGHMARK | — | $132K | $132K | 0.03% |
| GALLAGHER BENEFIT SERVICES3 | — | HM LIFE INSURANCE COMPANY | $88K | $0 | $88K | 5.00% |
| DAVIS VISION3 | 175 E. HOUSTON STREET 5TH FLOOR SAN ANTONIO, TX 78205 | DAVIS VISION | — | $66K | $66K | 5.43% |
| GALLAGHER BENEFIT SERVICES3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | HARTFORD LIFE AND ACCIDENT | $58K | $0 | $58K | 4.92% |
| GALLAGHER BENEFIT SERVICES3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 0.35% |
| ALLIANT INSURANCE SERVICES INC3 | 1501 REEDSDALE STREET SUITE 403 PITTSBURGH, PA 15233 | HARTFORD LIFE AND ACCIDENT | $937 | $0 | $937 | 0.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CENTRAL DATA SERVICES, INC. EIN 25-1352803 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $1.4M |
| DIANE PICKLE EIN 23-1317409 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $96K |
| MARGARET BIBB EIN 23-1317409 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $73K |
| GALLAGHER FIDUCIARY ADVISORS LLC EIN 36-4291971 NONE | Direct payment from the plan; Investment advisory (plan); Consulting fees Service code 27 | — | $73K |
| MORIAH JAMROM EIN 23-1317409 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $68K |
| INNOVEST PORTFOLIO SOLUTIONS EIN 84-1612955 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Consulting fees; Investment management fees paid directly by plan; Investment advisory (plan) Service code 15 | — | $52K |
| ANNE MCFARLAND EIN 23-1317409 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $52K |
| RICHMOND CAPITAL MANAGEMENT EIN 54-1288566 NONE | Investment management; Direct payment from the plan Service code 28 | — | $41K |
| BREDHOFF & KAISER EIN 52-0969534 NONE | Legal; Direct payment from the plan Service code 29 | — | $36K |
| AMERISERV TRUST & FINANCIAL SERVICE EIN 25-1689052 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $15K |
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 | 50,662 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9,757 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 60,419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 99,718 | $378.7M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 359 | $119K |
| Vision(2 contracts, 2 carriers) | DAVIS VISION | 38,771 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 31,986 | $2.9M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 11,786 | $1.2M |
| Prescription drug | HIGHMARK | 51,391 | $95.2M |
| Other | HARTFORD LIFE AND ACCIDENT | 11,786 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 99,718 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.