| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $659 | $341 | $392 | +93.2% |
| Broker comp per covered life | $4 | $12 | $18 | -70.8% |
| Broker comp % of premium | 0.5% | 2.8% | 4.9% | -2.3 pp |
| Retention rate | 0.0% | 0.0% | 0.2% | |
| Premium YoY % | 7.2% | 5.8% | -14.8% | +1.4 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOWERS WATSON DELAWARE INC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE CO. | — | $320K | $320K | 0.56% |
| TOWERS WATSON DELAWARE INC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE CO. | — | $83 | $83 | 0.00% |
| TOWERS WATSON DELAWARE INC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $100K | — | $100K | 0.40% |
| HEWITT ASSOCIATES LLC3 | P.O. BOX 95135 CHICAGO, IL 606945135 | METROPOLITAN PROPERTY & CASUALTY INSURANCE CO. | $46K | $3K | $49K | 4.15% |
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 | 184,091 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 592 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 184,683 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | AETNA LIFE INSURANCE CO. | 133,224 | $57.6M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 133,224 | $57.6M |
| Other(4 contracts, 3 carriers) | SECURIAN LIFE INSURANCE COMPANY | 81,784 | $30.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133,224 | — |
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.