| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $1K | $602 | $809 | +101.3% |
| Broker comp per covered life | $1 | $7 | $31 | -85.2% |
| Broker comp % of premium | 0.1% | 1.7% | 3.8% | -1.6 pp |
| Retention rate | 0.0% | 0.0% | 1.6% | |
| Premium YoY % | -6.8% | -0.8% | 0.1% | -6.0 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRION GROUP A MMC AGENCY LLC3 | 161 WASHINGTON ST STE 1200 CONSHOHOCKEN, PA 194282085 | METROPOLITAN LIFE INSURANCE COMPANY | — | $50K | $50K | 0.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SILVERSCRIPT INSURANCE COMPANY EIN 20-2833904 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $2.0M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Contract Administrator; Other services; Direct payment from the plan; Claims processing Service code 12 | — | $734K |
| BLUE CROSS BLUE SHIELD OF GEORGIA EIN 58-1638390 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Other services; Float revenue; Contract Administrator; Claims processing Service code 12 | — | $449K |
| EVERNORTH BEHAVIORAL HEALTH, INC. EIN 41-1648670 NONE | Claims processing; Contract Administrator; Participant communication; Float revenue; Other services; Direct payment from the plan Service code 12 | — | $70K |
| CVS PHARMACY, INC. EIN 05-0340626 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $66K |
| UNITED HEALTH CARE INSURANCE CO. EIN 36-2739571 NONE | Claims processing; Other services; Direct payment from the plan Service code 12 | — | $46K |
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 | 57,636 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 57,636 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(21 contracts, 15 carriers) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 18,316 | $27.6M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 26,781 | $17.1M |
| Vision(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 18,439 | $4.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 47,689 | $13.1M |
| Prescription drug(8 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN INC. (NO. CALIFORNIA) | 1,077 | $8.9M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 47,689 | $13.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 47,689 | — |
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.