| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $2K | $811 | $1K | +110.3% |
| Broker comp per covered life | $2 | $26 | $37 | -94.2% |
| Broker comp % of premium | 0.1% | 4.5% | 4.7% | -4.5 pp |
| Retention rate | 0.0% | 0.0% | 0.8% | |
| Premium YoY % | 4.8% | -18.7% | -8.3% | +23.5 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 194280350 | METROPOLITAN LIFE INSURANCE COMPANY | — | $203K | $203K | 0.17% |
| MARSH MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 194280350 | METROPOLITAN LIFE INSURANCE COMPANY | — | $195K | $195K | 0.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF GEORGIA EIN 58-1638390 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing; Other services; Float revenue Service code 12 | — | $47.2M |
| WELL DOT, INC. EIN 83-3190954 NONE | Direct payment from the plan; Other services Service code 49 | — | $25.6M |
| UNITED HEALTHCARE INSURANCE CO. EIN 36-2739571 NONE | Claims processing; Direct payment from the plan; Other services Service code 12 | — | $22.8M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Other services; Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $19.1M |
| ALIGHT SOLUTIONS LLC EIN 82-1061233 NONE | Direct payment from the plan; Contract Administrator; Recordkeeping fees Service code 13 | — | $12.2M |
| SEDGWICK CLAIMS MANAGEMENT SERVICES EIN 36-2685608 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $9.1M |
| CVS PHARMACY, INC. EIN 05-0340626 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $6.2M |
| VIRGIN PULSE, INC EIN 20-2547480 NONE | Direct payment from the plan; Other services Service code 49 | — | $4.0M |
| MAVEN CLINIC CO. EIN 46-5747423 NONE | Direct payment from the plan; Other services Service code 49 | — | $3.3M |
| QUEST DIAGNOSTICS EIN 20-1908041 NONE | Direct payment from the plan; Other services Service code 49 | — | $2.4M |
| MERATIVE US L.P. EIN 88-1430661 NONE | Other services; Direct payment from the plan Service code 49 | — | $864K |
| MERCER HR CONSULTING EIN 13-2834414 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $169K |
| HEALTH STRATEGY, LLC EIN 20-4944393 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $158K |
| SILVERSCRIPT INSURANCE COMPANY EIN 20-2833904 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $106K |
| MCCONNELL & JONES LLP EIN 76-0488832 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $90K |
| BANK OF AMERICA RETIREMENT SERVICES EIN 56-0906609 INTERNAL BANK DEPT. | Trustee (bank, trust company, or similar financial institution); Plan Administrator; Direct payment from the plan; Trustee (directed) Service code 14 | — | $85K |
| WILLIS TOWERS WATSON EIN 53-0181291 NONE | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | — | $71K |
| BANK OF AMERICA PERSONNEL CENTER EIN 56-0906609 INTERNAL BANK DEPT. | Plan Administrator; Direct payment from the plan Service code 14 | — | $22K |
| SUN LIFE ASSURANCE CO OF CANADA EIN 38-1082080 NONE | Direct payment from the plan; Other fees; Claims processing Service code 12 | — | $11K |
| PRICEWATERHOUSECOOPERS LLP EIN 13-4008324 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $9K |
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 | 171,093 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,524 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172,617 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(13 contracts, 12 carriers) | KAISER FOUNDATION HEALTH PLAN INC. (SO. CALIFORNIA) | 10,045 | $109.1M |
| Dental(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 264,063 | $163.0M |
| Vision(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 264,063 | $30.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 259,826 | $121.6M |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 165,355 | $59.6M |
| Prescription drug(8 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN INC. (SO. CALIFORNIA) | 10,045 | $105.9M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 259,826 | $122.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264,063 | — |
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."
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.