| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $8K | $1K | $2K | +560.2% |
| Broker comp per covered life | $21 | $34 | $80 | -38.5% |
| Broker comp % of premium | 0.3% | 4.3% | 6.4% | -4.0 pp |
| Retention rate | 0.0% | 0.0% | 1.2% | |
| Premium YoY % | 1408.8% | -4.7% | 22.8% | +1413.6 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPASS CONSULTING GROUP LLC 4348 | SOUTHPOINT BLVD SUITE 400 JACKSONVILLE, FL 32216 | AETNA LIFE INSURANCE CO | — | $1.1M | $1.1M | 0.26% |
| AON RISK SERVICES OF NORTHEAST INC. | C/O NORTHERN TRUST BANK 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | AETNA LIFE INSURANCE CO | — | $100K | $100K | 0.02% |
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 | 95,147 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 95,147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | AETNA LIFE INSURANCE CO | 56,898 | $422.5M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 56,898 | $436.7M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 56,898 | $436.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 31,689 | $14.6M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 31,689 | $14.6M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 31,689 | $14.6M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 31,689 | $14.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 56,898 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.