| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $666 | $462 | $438 | +44.3% |
| Broker comp per covered life | $2 | $13 | $18 | -84.7% |
| Broker comp % of premium | 0.3% | 2.6% | 4.8% | -2.3 pp |
| Retention rate | 0.0% | 0.0% | 0.2% | |
| Premium YoY % | — | -4.1% | -2.7% |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOWERS WATSON OF PENNSYLVANIA INC.3 | ONE ALLIANCE CENTER ATLANTA, GA 30326 | AETNA LIFE INSURANCE CO. | $94 | — | $94 | 0.00% |
| TOWERS WATSON DELAWARE INC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $67K | — | $67K | 0.42% |
| TOWERS WATSON DELAWARE INC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | MINNESOTA LIFE INSURANCE COMPANY | $121K | — | $121K | 1.65% |
| HEWITT ASSOCIATES LLC3 | P.O. BOX 95135 CHICAGO, IL 606945135 | METROPOLITAN PROPERTY & CASUALTY INSURANCE CO. | $45K | — | $45K | 5.83% |
| HEWITT ASSOCIATES LLC3 | P.O. BOX 96135 CHICAGO, IL 606945135 | METROPOLITAN PROPERTY & CASUALTY INSURANCE CO. | $15K | — | $15K | 5.83% |
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 | 242,098 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 537 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 242,635 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | AETNA LIFE INSURANCE CO. | 1,076 | $13.7M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 123,032 | $39.8M |
| Other(7 contracts, 4 carriers) | SECURIAN LIFE INSURANCE COMPANY | 80,165 | $28.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123,032 | — |
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.