| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $2K | $826 | $1K | +91.8% |
| Broker comp per covered life | $2 | $35 | $50 | -95.1% |
| Broker comp % of premium | 0.1% | 3.8% | 6.0% | -3.7 pp |
| Retention rate | 0.0% | 0.0% | 0.8% | |
| Premium YoY % | -2.3% | -13.0% | 5.5% | +10.7 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS & COMP SYSTEMS3 | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | HARTFORD LIFE AND ACCIDENT | — | $348K | $348K | 0.52% |
| MERCER HEALTH & BENEFITS3 | 1166 AVENUE OF THE AMERICAS 23RD FLOOR NEW YORK, NY 10036 | ACE AMERICAN INSURANCE COMPANY | $276 | — | $276 | 14.92% |
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 | 195,931 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,247 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 198,178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | UNITEDHEALTHCARE OF CALIFORNIA | 7,759 | $108.6M |
| Dental | HEALTH PLAN OF NEVADA/SIERRA HEALTH LIFE | 7,759 | $48.1M |
| Vision(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH LIFE | 140,387 | $72.9M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 192,926 | $118.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 192,337 | $66.6M |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE OF CALIFORNIA | 7,759 | $107.7M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 203,397 | $122.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203,397 | — |
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.