| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $346 | $341 | $392 | +1.3% |
| Broker comp per covered life | $4 | $12 | $18 | -68.6% |
| Broker comp % of premium | 1.1% | 2.8% | 4.9% | -1.7 pp |
| Retention rate | 0.0% | 0.0% | 0.2% | |
| Premium YoY % | -32.6% | 5.8% | -14.8% | -38.4 pp |
| 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 | $284K | — | $284K | 4.91% |
| HEWITT ASSOCIATES LLC3 | P.O. BOX 95135 CHICAGO, IL 606945135 | METROPOLITAN PROPERTY & CASUALTY INSURANCE CO. | $29K | $936 | $30K | 7.50% |
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 | 149,824 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149,842 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 83,171 | $28.2M |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 83,171 | $22.4M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 83,171 | $23.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 83,171 | — |
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."
No prospect flags tripped on this filing.