| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $1K | $460 | $824 | +130.5% |
| Broker comp per covered life | $0 | $11 | $27 | -99.6% |
| Broker comp % of premium | 0.0% | 1.9% | 3.5% | -1.9 pp |
| Retention rate | 0.0% | 0.0% | 1.9% | |
| Premium YoY % | -15.5% | -3.8% | -12.0% | -11.7 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 194280350 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.02% |
| 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 | Claims processing; Contract Administrator; Other services; Direct payment from the plan Service code 12 | — | $601K |
| BLUE CROSS BLUE SHIELD OF GEORGIA EIN 58-1638390 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services; Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $400K |
| CVS PHARMACY, INC. EIN 05-0340626 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $54K |
| UNITED HEALTH CARE INSURANCE CO. EIN 36-2739571 NONE | Direct payment from the plan; Other services; Claims processing Service code 12 | — | $38K |
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 eligible | 60,833 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 60,833 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(20 contracts, 14 carriers) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 19,024 | $19.9M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 26,465 | $16.7M |
| Vision(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 18,244 | $4.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 46,046 | $12.2M |
| Prescription drug(8 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN INC. (NO. CALIFORNIA) | 1,017 | $7.1M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 46,046 | $12.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 46,046 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.