| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $2K | $669 | $752 | +150.2% |
| Broker comp per covered life | $5 | $2 | $9 | +208.5% |
| Broker comp % of premium | 0.3% | 0.3% | 4.2% | 0.0 pp |
| Retention rate | 0.2% | 0.0% | 0.6% | |
| Premium YoY % | 13.7% | 0.0% | -13.1% |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALIGHT SOLUTIONS3 | 4 OVERLOOK PT LINCOLNSHIRE, IL 600694337 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1.3M | $1.3M | 2.23% |
| PACIFIC RESOURCES BENEFITS ADVISORS3 | 1 BEACON ST STE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | — | $231K | $231K | 0.39% |
| ALIGHT SOLUTIONS LLC3 | 901 MAIN ST STE 5800 DALLAS, TX 752023707 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $57.2M |
| ALIGHT SOLUTIONS LLC EIN 36-2235791 NONE | Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $50.2M |
| SEDGWICK CLAIMS MANAGEMENT SERVICE EIN 36-2685608 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $14.2M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Contract Administrator; Direct payment from the plan; Investment management Service code 13 | — | $9.2M |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 06-0303370 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $1.9M |
| UNITEDHEALTHCARE SERVICES INC. EIN 43-1361841 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $1.6M |
| HARTFORD LIFE ACCIDENT INSURANCE CO EIN 06-0838648 NONE | Investment management; Contract Administrator; Direct payment from the plan Service code 13 | — | $1.1M |
| NETWORK MEDICAL REVIEW COMPANY EIN 36-4041877 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $971K |
| AON CONSULTING INC. EIN 22-2232264 NONE | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | — | $832K |
| PWC LLP EIN 13-4008324 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $594K |
| ALLSUP INC. EIN 37-1170934 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $416K |
| FORVIS, LLP EIN 44-0160260 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $350K |
| PROGYNY INC NONE | Direct payment from the plan; Contract Administrator Service code 13 | 245 5TH AVENUE NEW YORK, NY 10016 | $349K |
| FLEISHMAN-HILLARD INC. EIN 43-1791685 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $233K |
| FIRST AMERICAN ADMINISTRATORS INC. EIN 86-0773195 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $160K |
| NOVA MARKETING SERVICES INC EIN 43-0633498 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $115K |
| FROST BANK EIN 74-6036463 NONE | Trustee (directed); Securities brokerage commissions and fees; Direct payment from the plan Service code 25 | — | $114K |
| DIRECTPATH LLC EIN 02-0677999 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $22K |
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 | 135,154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135,188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(21 contracts, 16 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 9,587 | $410.8M |
| Dental(4 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 43,994 | $16.7M |
| Vision(8 contracts, 3 carriers) | EYEMED VISION CARE | 135,881 | $11.5M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 295,126 | $58.9M |
| Short-term disability(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,461 | $703K |
| Prescription drug(4 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 2,633 | $30.1M |
| Other(6 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 295,126 | $92.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295,126 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.