| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $2K | $959 | $1K | +62.3% |
| Broker comp per covered life | $8 | $15 | $30 | -47.6% |
| Broker comp % of premium | 0.5% | 2.2% | 3.4% | -1.7 pp |
| Retention rate | 0.2% | 0.0% | 0.7% | |
| Premium YoY % | -23.5% | -8.0% | -11.5% | -15.5 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALIGHT SOLUTIONS3 | PO BOX 95135 CHICAGO, IL 606945135 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1.7M | $1.7M | 2.89% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON ST STE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | — | $404K | $404K | 0.70% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON ST STE 17100 BOSTON, MA 021083107 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $10K | $10K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD NONE | Direct payment from the plan; Contract Administrator Service code 13 | 300 E. RANDOLPH CHICAGO, IL 60601 | $40.5M |
| ALIGHT SOLUTIONS LLC EIN 36-2235791 NONE | Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $31.9M |
| SEDGWICK CLAIMS MANAGEMENT SERVICE EIN 36-2685608 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $11.8M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Contract Administrator; Investment management; Direct payment from the plan Service code 13 | — | $5.9M |
| CVS PHARMACY INC. EIN 05-0340626 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $4.4M |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 06-0303370 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $2.1M |
| UNITEDHEALTHCARE SERVICES INC. EIN 43-1361841 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $1.6M |
| AON CONSULTING INC. EIN 22-2232264 NONE | Actuarial; Direct payment from the plan; Consulting (general) Service code 11 | — | $754K |
| CENTIVO T HOLDINGS LLC EIN 06-0838648 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $568K |
| ALLSUP INC. EIN 37-1170934 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $263K |
| PROGYNY INC NONE | Direct payment from the plan; Contract Administrator Service code 13 | 245 5TH AVENUE NEW YORK, NY 10016 | $261K |
| FORVIS MAZARS, LLP EIN 44-0160260 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $239K |
| EYEMED VISION EIN 43-0949844 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $191K |
| FLEISHMAN-HILLARD INC. EIN 43-1791685 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $114K |
| PWC LLP EIN 13-4008324 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $88K |
| FROST BANK EIN 74-6036463 NONE | Trustee (directed); Direct payment from the plan; Securities brokerage commissions and fees Service code 25 | — | $87K |
| FIRST AMERICAN ADMINISTRATORS INC. EIN 86-0773195 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $68K |
| NOVA MARKETING SERVICES INC EIN 43-0633498 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $29K |
| BANK OF NEW YORK MELLON EIN 13-5160382 NONE | Trustee (bank, trust company, or similar financial institution); Investment management fees paid directly by plan; Direct payment from the plan; Trustee (directed); Investment management Service code 21 | — | $18K |
| EDH HOLDINGS LLC EIN 99-1373613 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $8K |
| OPTAVISE LLC EIN 02-0677999 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $6K |
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 | 96,840 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 195,007 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 291,847 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(25 contracts, 18 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 270,571 | $401.6M |
| Dental(4 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 35,007 | $13.0M |
| Vision(8 contracts, 3 carriers) | EYEMED VISION CARE | 110,096 | $8.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 270,571 | $57.7M |
| Short-term disability(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,198 | $423K |
| Prescription drug(4 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 2,175 | $24.9M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 270,571 | $85.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270,571 | — |
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.