| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $443 | $1K | $2K | -57.4% |
| Broker comp per covered life | $3 | $12 | $23 | -73.0% |
| Broker comp % of premium | 0.8% | 0.8% | 1.1% | 0.0 pp |
| Retention rate | 0.0% | 0.0% | 0.6% | |
| Premium YoY % | 6.1% | 4.5% | -1.8% | +1.6 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $100K | $409K | $509K | 1.66% |
| WILLIS TOWERS WATSON US LLC3 | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | — | $51K | $51K | 1.30% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METROPOLITAN PROPERTY & CASUALTY INSURANCE CO. | $125K | $11K | $136K | 6.53% |
| AON CONSULTING, INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN PROPERTY & CASUALTY INSURANCE CO. | $92K | $16K | $108K | 5.17% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 241,414 | $34.6M |
| Short-term disability | AETNA LIFE INSURANCE CO. | 157,145 | $70.0M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 157,145 | $70.0M |
| Other(2 contracts, 2 carriers) | METROPOLITAN PROPERTY & CASUALTY INSURANCE CO. | 10,140 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241,414 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.