| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $353 | $367 | $505 | -3.8% |
| Broker comp per covered life | $2 | $18 | $34 | -87.5% |
| Broker comp % of premium | 0.6% | 6.9% | 5.9% | -6.2 pp |
| Retention rate | 0.0% | 0.0% | 1.1% | |
| Premium YoY % | -2.3% | -18.8% | 105.5% | +16.5 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 INSURANCE COMPANY | $82K | — | $82K | 5.00% |
| AON CONSULTING, INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN PROPERTY & CASUALTY INSURANCE CO. | $59K | $8K | $67K | 10.37% |
| AON CONSULTING3 | 10 LANIDEX CENTER WEST PARSIPPANY, NJ 07054 | METROPOLITAN PROPERTY & CASUALTY INSURANCE CO. | — | $2K | $2K | 0.25% |
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 | 165,572 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 545 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 166,117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 40,491 | $15.0M |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 40,491 | $13.4M |
| Other(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 66,977 | $22.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 66,977 | — |
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.