| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $303 | $424 | $517 | -28.6% |
| Broker comp per covered life | $2 | $13 | $38 | -85.5% |
| Broker comp % of premium | 0.6% | 5.1% | 5.9% | -4.5 pp |
| Retention rate | 0.0% | 0.0% | 1.4% | |
| Premium YoY % | -9.8% | -26.8% | -28.1% | +17.0 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | P O BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34K | — | $34K | 2.21% |
| ALLIANT INS SERVICES INC3 | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25K | — | $25K | 1.59% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METROPOLITAN PROPERTY & CASUALTY INSURANCE CO. | $42K | $4K | $45K | 6.53% |
| AON CONSULTING, INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN PROPERTY & CASUALTY INSURANCE CO. | $31K | $5K | $36K | 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 |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 6,010 | $6.0M |
| Other(4 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 72,308 | $20.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 72,308 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.