| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $511 | $319 | $831 | +59.9% |
| Broker comp per covered life | $1 | $7 | $21 | -86.9% |
| Broker comp % of premium | 0.2% | 2.3% | 3.7% | -2.1 pp |
| Retention rate | 0.0% | 0.0% | 3.2% | |
| Premium YoY % | — | 1.4% | 25.3% |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INS SERVICES INC3 | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | AMERICAN HERITAGE LIFE | $319K | — | $319K | 5.00% |
No Schedule C service providers reported on this filing.
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 | 177,740 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 789 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178,529 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(13 contracts, 11 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 29,909 | $112.0M |
| Dental(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 198,075 | $62.4M |
| Prescription drug(12 contracts, 10 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 8,849 | $105.6M |
| Other(3 contracts, 3 carriers) | TRIPLE S SALUD, INC. | 339,695 | $6.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339,695 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.