| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $3K | $650 | $1K | +366.3% |
| Broker comp per covered life | $0 | $5 | $18 | -100.0% |
| Broker comp % of premium | 0.0% | 0.8% | 2.8% | -0.8 pp |
| Retention rate | 0.2% | 0.0% | 4.0% | |
| Premium YoY % | -12.6% | -7.3% | 1.2% | -5.3 pp |
No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALIGHT SOLUTIONS LLC EIN 36-2235791 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees Service code 15 | — | $42.1M |
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $24.6M |
| UNITEDHEALTHCARE SERVICES INC. EIN 43-1361841 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $23.2M |
| SEDGWICK CLAIMS MANAGEMENT SERVICE EIN 36-2685608 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $17.9M |
| BEACON HEALTH OPTIONS INC. EIN 54-1414194 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $2.8M |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 06-0303370 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $2.2M |
| NETWORK MEDICAL REVIEW COMPANY EIN 36-4041877 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $1.7M |
| ALLSUP INC. EIN 37-1170934 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $707K |
| AON CONSULTING INC. EIN 22-2232264 NONE | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | — | $648K |
| PROGYNY INC NONE | Direct payment from the plan; Contract Administrator Service code 13 | 245 5TH AVENUE NEW YORK, NY 10016 | $255K |
| FIRST AMERICAN ADMINISTRATORS INC. EIN 86-0773195 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $231K |
| FLEISHMAN-HILLARD INC. EIN 43-1791685 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $175K |
| BKD, LLP EIN 44-0160260 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $155K |
| NOVA MARKETING SERVICES, INC. EIN 43-0633498 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $126K |
| FROST BANK EIN 74-6036463 NONE | Securities brokerage commissions and fees; Direct payment from the plan; Trustee (directed) Service code 25 | — | $123K |
| PWC LLP EIN 13-4008324 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $66K |
| DIRECTPATH LLC EIN 02-0677999 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $24K |
| SILVERSCRIPT INSURANCE COMPANY NONE | Contract Administrator; Direct payment from the plan Service code 13 | PO BOX 52067 PHOENIX, AZ 85072 | $6K |
| HEWITT ASSOCIATES LLC EIN 36-2235791 NONE | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | — | -$9K |
| CVS PHARMACY INC. EIN 05-0340626 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | -$5.8M |
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 | 142,448 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142,448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(36 contracts, 24 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 11,592 | $499.3M |
| Dental(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 48,447 | $18.2M |
| Vision(8 contracts, 3 carriers) | EYEMED VISION CARE | 190,604 | $21.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 177,982 | $45.4M |
| Short-term disability(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,804 | $388K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 2,502 | $31.1M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 177,982 | $80.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190,604 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.