| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $1K | $1K | $1K | +33.0% |
| Broker comp per covered life | $1 | $1 | $32 | 0.0% |
| Broker comp % of premium | 0.0% | 0.0% | 3.9% | 0.0 pp |
| Retention rate | 2.3% | 0.0% | 0.5% | |
| Premium YoY % | 12.1% | -14.2% | -7.4% | +26.3 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PACIFIC RESOURCES BENEFITS ADVISORS3 | 75 STATE ST STE 1710 BOSTON, MA 021091807 | METROPOLITAN LIFE INSURANCE COMPANY | — | $201K | $201K | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALIGHT SOLUTIONS LLC EIN 36-2235791 NONE | Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $13.8M |
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $13.0M |
| CVS PHARMACY INC. EIN 05-0340626 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $3.6M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Investment management; Direct payment from the plan; Contract Administrator Service code 13 | — | $2.5M |
| AON HEWITT HEALTH MARKET INSURANCE EIN 20-3389182 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $1.9M |
| AT&T INC. EIN 43-1301883 PLAN SPONSOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $1.4M |
| BANK OF NEW YORK MELLON EIN 13-5160382 NONE | Investment management fees paid directly by plan; Direct payment from the plan; Trustee (bank, trust company, or similar financial institution); Investment management; Trustee (directed) Service code 21 | — | $1.2M |
| UNITEDHEALTHCARE SERVICES INC. EIN 43-1361841 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $1.1M |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 06-0303370 NONE | Contract Administrator; Direct payment from the plan; Investment management fees paid directly by plan; Investment management Service code 13 | — | $1.0M |
| FORVIS, LLP EIN 44-0160260 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $442K |
| FMR LLC NONE | Direct payment from the plan; Investment management fees paid directly by plan; Investment management Service code 28 | 82 DEVONSHIRE STREET BOSTON, MA 02109 | $408K |
| FLEISHMAN-HILLARD INC. EIN 43-1791685 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $250K |
| PRICEWATERHOUSECOOPERS LLP EIN 13-4008324 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $235K |
| FROST BANK EIN 74-6036463 NONE | Securities brokerage commissions and fees; Direct payment from the plan; Trustee (directed) Service code 25 | — | $164K |
| NOVA MARKETING SERVICES, INC. EIN 43-0633498 NONE | Direct payment from the plan; Other services Service code 49 | — | $130K |
| ALLSUP INC EIN 37-1170934 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $125K |
| WILLIS TOWERS WATSON EIN 53-0181291 NONE | Other services; Direct payment from the plan Service code 49 | — | $96K |
| AON CONSULTING INC. EIN 22-2232264 NONE | Direct payment from the plan; Actuarial; Consulting (general) Service code 11 | — | $48K |
| DIRECTPATH LLC EIN 02-0677999 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $20K |
| CORPORATION SERVICE COMPANY EIN 51-0009810 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $13K |
| STATE STREET GLOBAL ADVISORS EIN 81-4017137 NONE | Direct payment from the plan; Investment management fees paid directly by plan; Investment management; Named fiduciary Service code 28 | — | $7K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 312,880 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 312,880 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(24 contracts, 12 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,169 | $124.8M |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 27 | $175K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 272,611 | $277.9M |
| Prescription drug(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,169 | $73.1M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 272,611 | $285.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272,611 | — |
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.