| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $1K | $482 | $718 | +163.5% |
| Broker comp per covered life | $0 | $7 | $14 | -94.1% |
| Broker comp % of premium | 0.0% | 1.8% | 6.3% | -1.8 pp |
| Retention rate | 0.0% | 0.0% | 2.2% | |
| Premium YoY % | 40.4% | -2.7% | 38.2% | +43.1 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRION GROUP A MMC AGENCY3 | — | METROPOLITAN LIFE INSURANCE COMPANY | — | $23K | $23K | 0.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SILVERSCRIPT INSURANCE COMPANY EIN 20-2833904 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $2.4M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Claims processing; Direct payment from the plan; Other services; Contract Administrator Service code 12 | — | $1.4M |
| BLUE CROSS BLUE SHIELD OF GEORGIA EIN 58-0469845 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator; Direct payment from the plan; Claims processing; Other services Service code 12 | — | $550K |
| CVS PHARMACY, INC. EIN 05-0340626 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $76K |
| CIGNA BEHAVIORAL HEALTH, INC. EIN 41-1648670 NONE | Direct payment from the plan; Contract Administrator; Participant communication; Float revenue; Other services; Claims processing Service code 12 | — | $74K |
| UNITED HEALTH CARE INSURANCE CO. EIN 36-2739571 NONE | Direct payment from the plan; Claims processing; Other services Service code 12 | — | $69K |
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 | 66,602 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 66,602 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(26 contracts, 16 carriers) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 23,150 | $41.0M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 27,075 | $16.1M |
| Vision(4 contracts, 4 carriers) | HEALTH NET | 10,428 | $4.8M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 56,719 | $13.0M |
| Prescription drug(8 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN INC. (NO. CALIFORNIA) | 1,416 | $13.2M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 56,719 | $13.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 56,719 | — |
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.