| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $3K | $984 | $1K | +255.4% |
| Broker comp per covered life | $4 | $10 | $18 | -56.7% |
| Broker comp % of premium | 0.1% | 1.8% | 5.0% | -1.7 pp |
| Retention rate | 0.5% | 0.0% | 0.1% | |
| Premium YoY % | -43.6% | -35.1% | -29.8% | -8.5 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH & BENEFITS LLC3 | 333 S SEVENTH STREET #1400 MINNEAPOLIS, MN 55402 | HIGHMARK | — | $34K | $34K | 0.01% |
| GALLAGHER BENEFIT SERVICES INC3 | 3600 AMERICAN BLVD W #500 BLOOMINGTON, MN 55431 | HIGHMARK | — | $2K | $2K | 0.00% |
| GALLAGHER BENEFIT SERVICES3 | 444 LIBERTY AVE STE 805 PITTSBURGH, PA 15222 | UNITED CONCORDIA LIFE & HEALTH INSURANCE COMPANY | $99K | $240K | $338K | 3.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | — | KAISER FOUNDATION HEALTH PLAN INC. | $57K | — | $57K | 1.29% |
| GALLAGER BENEFIT SVSC INC3 | 444 LIBERTY AVE PITTSBURGH, PA 15222 | AMERICAN UNITED INSURANCE COMPANY | $68K | $41K | $109K | 8.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | — | KAISER FOUNDATION HEALTH PLAN INC | $7K | — | $7K | 1.49% |
| GALLAGHER BENEFIT SERVICES3 | — | HM LIFE INSURANCE COMPANY | $72K | — | $72K | 100.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS EIN 95-4331852 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $7.3M |
| HIGHMARK EIN 23-1294723 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $5.9M |
| CENTRAL DATA SERVICES, INC. EIN 25-1352803 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $1.4M |
| UNITED CONCORDIA COMPANIES, INC. EIN 25-1687586 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $469K |
| DIANE PICKLE EIN 23-1317409 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $150K |
| GALLAGHER FIDUCIARY ADVISORS LLC EIN 36-4291971 NONE | Direct payment from the plan; Consulting fees; Investment advisory (plan) Service code 27 | — | $83K |
| SEGAL SELECT INSURANCE SERVICES EIN 46-0619194 NONE | Investment management; Insurance brokerage commissions and fees Service code 28 | — | $82K |
| MARGARET BIBB EIN 23-1317409 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $76K |
| MORIAH JAMROM EIN 23-1317409 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $76K |
| DAVIS VISION EIN 11-3051991 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $66K |
| INNOVEST PORTFOLIO SOLUTIONS EIN 84-1612955 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Investment advisory (plan); Direct payment from the plan; Investment management fees paid directly by plan Service code 15 | — | $64K |
| WITHUMSMITH+BROWN PC EIN 22-2027092 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $60K |
| ANNE MCFARLAND EIN 23-1317409 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $53K |
| RICHMOND CAPITAL MANAGEMENT EIN 54-1288566 NONE | Investment management; Direct payment from the plan Service code 28 | — | $52K |
| CONSOLIDATED GRAPHICS COMMUNICATION NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 1901 MAYVIEW RD BRIDGEVILLE, PA 15017 | $52K |
| 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 | — | $23K |
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 | 48,737 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8,142 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 56,879 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 138,639 | $468.9M |
| Dental(4 contracts, 3 carriers) | HIGHMARK | 138,639 | $478.2M |
| Vision(2 contracts, 2 carriers) | HIGHMARK | 138,639 | $468.9M |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED INSURANCE COMPANY | 32,189 | $1.4M |
| Short-term disability | AMERICAN UNITED INSURANCE COMPANY | 10,337 | $1.4M |
| Long-term disability | AMERICAN UNITED INSURANCE COMPANY | 10,337 | $1.4M |
| Prescription drug | HIGHMARK | 138,639 | $468.9M |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED INSURANCE COMPANY | 18,210 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138,639 | — |
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.
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.