| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $5K | $1K | $2K | +241.0% |
| Broker comp per covered life | $46 | $29 | $42 | +58.9% |
| Broker comp % of premium | 1.0% | 1.3% | 2.4% | -0.3 pp |
| Retention rate | 4.0% | 0.0% | 0.6% | |
| Premium YoY % | 0.4% | -17.7% | -28.5% | +18.0 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPASS CONSULTING GROUP, LLC3 | 4348 SOUTHPOINT BOULEVARD SUITE 400 JACKSONVILLE, FL 32216 | BLUE CROSS AND BLUE SHIELD OF FLORIDA | $1.1M | — | $1.1M | 0.82% |
| APRIL J ROSENBERG3 | — | BLUECROSS BLUESHIELD OF TEXAS | $378K | — | $378K | 0.55% |
| AON CONSULTING, INC. NJ3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | BLUECROSS BLUESHIELD OF TEXAS | $343K | — | $343K | 0.50% |
| COMPASS CONSULTING GROUP, LLC3 | 4348 SOUTHPOINT BOULEVARD SUITE 400 JACKSONVILLE, FL 32216 | HEALTH OPTIONS, INC. | $777K | — | $777K | 1.41% |
| COMPASS CONSULTING GROUP INC3 | 315 E BAY STREET SUITE 400 JACKSONVILLE, FL 322022983 | METROPOLITAN LIFE INSURANCE COMPANY | — | $19 | $19 | 0.00% |
| COMPASS CONSULTING GROUP INC3 | 315 E BAY STREET SUITE 400 JACKSONVILLE, FL 32202 | METROPOLITAN LIFE INSURANCE COMPANY | $1.1M | $19 | $1.1M | 6.94% |
| PAYCHEX INSURANCE AGENCY3 | 150 SAWGRASS DRIVE ROCHESTER, NY 146204648 | METROPOLITAN LIFE INSURANCE COMPANY | $1.0M | $9 | $1.0M | 11.52% |
| PAYCHEX INSURANCE AGENCY3 | 150 SAWGRASS DRIVE ROCHESTER, NY 146204648 | METROPOLITAN LIFE INSURANCE COMPANY | $432K | — | $432K | 11.47% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $71K | $111 | $71K | 1.89% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $47K | $47K | 1.23% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.04% |
| COMPASS CONSULTING GROUP INC3 | 315 E BAY STREET SUITE 400 JACKSONVILLE, FL 322022983 | METROPOLITAN LIFE INSURANCE COMPANY | $174K | $225K | $399K | 11.78% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $333K | $111 | $333K | 9.84% |
| PAYCHEX INSURANCE AGENCY3 | 150 SAWGRASS DRIVE ROCHESTER, NY 146204648 | METROPOLITAN LIFE INSURANCE COMPANY | $242K | $7K | $249K | 7.34% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $45K | $45K | 1.33% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 0.18% |
| PAYCHEX INSURANCE AGENCY INC3 | ATTN PIA ACCOUNTING 225 KENNETH DRIVE ROCHESTER, NY 146234277 | METROPOLITAN LIFE INSURANCE COMPANY | — | $769 | $769 | 0.02% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 225 KENNETH DRIVE ROCHESTER, NY 14623 | METROPOLITAN GENERAL INSURANCE COMPANY | $176K | — | $176K | 8.76% |
| PAYCHEX INSURANCE AGENCY INC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $17 | $17 | 0.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $174K | $111 | $174K | 12.70% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 0.28% |
| AJZ SYNERGIES3 | 327 STRATHMORE DRIVE BRYN MAWR, PA 19010 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $23K | — | $23K | 6.70% |
| AJZ SYNERGIES3 | 327 STRATHMORE DRIVE BRYN MAWR, PA 19010 | FEDERAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.50% |
| PAYCHEX INSURANCE AGENCY3 | 150 SAWGRASS DRIVE ROCHESTER, NY 146204648 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $7K | $23K | — |
| PAYCHEX INSURANCE AGENCY INC3 | ATTN PIA ACCOUNTING 225 KENNETH DRIVE ROCHESTER, NY 146234277 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | — |
| PAYCHEX INSURANCE AGENCY3 | 150 SAWGRASS DRIVE ROCHESTER, NY 146204648 | METROPOLITAN LIFE INSURANCE COMPANY | $57K | $7K | $63K | — |
| PAYCHEX INSURANCE AGENCY INC3 | ATTN PIA ACCOUNTING 225 KENNETH DRIVE ROCHESTER, NY 146234277 | METROPOLITAN LIFE INSURANCE COMPANY | — | $32K | $32K | — |
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 | 232,458 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 410 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 232,868 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(13 contracts, 11 carriers) | AETNA LIFE INSURANCE CO. | 111,658 | $616.6M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 111,658 | $283.2M |
| Vision | AETNA LIFE INSURANCE CO. | 111,658 | $249.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 148,235 | $15.1M |
| Short-term disability(5 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 18,766 | $15.7M |
| Long-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 20,284 | $8.5M |
| Prescription drug(9 contracts, 7 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 10,707 | $227.2M |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 148,235 | $17.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148,235 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.