| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $870 | $364 | $568 | +138.9% |
| Broker comp per covered life | $0 | $5 | $10 | -100.0% |
| Broker comp % of premium | 0.0% | 1.4% | 3.4% | -1.4 pp |
| Retention rate | 0.6% | 0.0% | 3.0% | |
| Premium YoY % | — | — | — |
No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE CO. EIN 36-2739571 NONE | Claims processing; Direct payment from the plan; Other services Service code 12 | — | $4.0M |
| AETNA, INC. EIN 06-6033492 NONE | Claims processing; Direct payment from the plan; Other services; Contract Administrator Service code 12 | — | $1.2M |
| BLUE CROSS BLUE SHIELD OF GEORGIA EIN 58-0469845 NONE | Claims processing; Contract Administrator; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services Service code 12 | — | $860K |
| CIGNA BEHAVIORAL HEALTH, INC. EIN 41-1648670 NONE | Contract Administrator; Other services; Float revenue; Direct payment from the plan; Claims processing; Participant communication Service code 12 | — | $107K |
| CVS PHARMACY, INC EIN 05-0340626 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $51K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 69,997 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 5,065 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 69,997 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(34 contracts, 21 carriers) | KAISER FOUNDATION HEALTH PLAN INC. (NO. CALIFORNIA) | 1,688 | $22.6M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 60,411 | $28.0M |
| Vision(4 contracts, 4 carriers) | HEALTH NET | 10,458 | $5.9M |
| Life insurance | AETNA LIFE INSURANCE CO. | 60,411 | $14.1M |
| Prescription drug | HEALTH PLAN OF NEVADA | 87 | $286K |
| Other | AETNA LIFE INSURANCE CO. | 60,411 | $14.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 60,411 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.