| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $287 | $412 | $722 | -30.4% |
| Broker comp per covered life | $4 | $9 | $18 | -52.3% |
| Broker comp % of premium | 1.4% | 2.6% | 4.0% | -1.1 pp |
| Retention rate | 0.0% | 0.0% | 1.8% | |
| Premium YoY % | -17.7% | 0.0% | 23.7% |
| 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 | $317K | — | $317K | 18.70% |
| HEWITT ASSOCIATES LLC3 | P.O. BOX 95135 CHICAGO, IL 606945135 | METROPOLITAN PROPERTY & CASUALTY INSURANCE CO. | $14K | $1K | $15K | 2.92% |
| AON CONSULTING, INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN PROPERTY & CASUALTY INSURANCE CO. | $7K | $5K | $12K | 2.38% |
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 | 152,687 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 578 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153,265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 82,497 | $23.0M |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 82,497 | $21.3M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 82,497 | $22.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 82,497 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.