| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $11K | $662 | $2K | +1555.2% |
| Broker comp per covered life | $83 | $47 | $53 | +75.2% |
| Broker comp % of premium | 0.8% | 4.6% | 7.0% | -3.9 pp |
| Retention rate | 0.0% | 0.0% | 4.3% | |
| Premium YoY % | — | 1.6% | -7.3% |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOM BENEFIT PROGRAMS INC.3 | 897 12TH STREET HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY | $2.8M | — | $2.8M | 15.07% |
| WINSTON FINANCIAL SERVICES INC3 | 2399 HWY 34 SOUTH UNIT C2 MANASQUAN, NJ 08736 | RELIASTAR LIFE INSURANCE COMPANY | $1.2M | — | $1.2M | 6.46% |
| STRATEGIC NON-MEDICAL SOLUTIONS3 | 321 N CLARK ST., STE 940 CHICAGO, IL 60654 | RELIASTAR LIFE INSURANCE COMPANY | — | $392K | $392K | 2.08% |
| AON CONSULTING INC.3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | RELIASTAR LIFE INSURANCE COMPANY | $157K | — | $157K | 0.83% |
| PACIFIC RESOURCES BENEFITS ADVISORS3 | 1 BEACON ST., STE. 1700 BOSTON, MA 02108 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $291K | — | $291K | 1.81% |
| WEADOCK & ASSOCIATES LLC3 | 1001 MEDICAL PARK DRIVE SE GRAND RAPIDS, MI 49546 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $37K | — | $37K | 6.09% |
| WILLIAM J GRZESIAK3 | 4547 N BUTTERNUT AVENUE BEVERLY HILLS, FL 34465 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $37K | — | $37K | 6.09% |
| CUSTOM BENEFIT PROGRAMS INC.3 | 897 12TH STREET HAMMONTON, NJ 08037 | LEGALPLANS, USA | — | $91K | $91K | 50.00% |
| ARTHUR J GALLAGHER RISK MANAGEMENT3 | 1690 WATERTOWER PLACE, SUITE 500 EAST LANSING, MI 48823 | ZURICH AMERICAN INSURANCE COMPANY | $343 | — | $343 | 10.06% |
| COVERYS INSURANCE SERVICES, INC.3 | 3100 WEST ROAD BUILDING 1, SUITE 200 EAST LANSING, MI 48823 | ZURICH AMERICAN INSURANCE COMPANY | $169 | — | $169 | 4.95% |
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 | 57,669 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 195 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 57,864 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(13 contracts) | PRIORITY HEALTH INSURANCE COMPANY | 60,972 | $623.4M |
| Vision | VISION SERVICE PLAN | 37,293 | $7.3M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 0 | $18.9M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 56,739 | $16.1M |
| Prescription drug(13 contracts) | PRIORITY HEALTH INSURANCE COMPANY | 60,972 | $623.4M |
| Other(6 contracts, 6 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 59,878 | $21.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 60,972 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.