| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $5K | $203 | $2K | +2282.8% |
| Broker comp per covered life | $18 | $0 | $65 | +29169.1% |
| Broker comp % of premium | 0.4% | 0.4% | 2.2% | 0.0 pp |
| Retention rate | 1.6% | 0.0% | 0.2% | |
| Premium YoY % | -61.0% | 1.4% | -3.6% | -62.4 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS GROUP BENEFITS INC NY/NJ/CT3 | 50 WHITECAP DR NORTH KINGSTOWN, RI 028527445 | UNITEDHEALTHCARE INSURANCE COMPANY | $4.8M | — | $4.8M | 0.23% |
| AMWINS GROUP BENEFITS INC ALL3 | 50 WHITECAP DR NORTH KINGSTOWN, RI 028527445 | UNITEDHEALTHCARE INSURANCE COMPANY | $1.6M | — | $1.6M | 0.08% |
| AMWINS GROUP BENEFITS INC CA3 | 50 WHITECAP DR NORTH KINGSTOWN, RI 028527445 | UNITEDHEALTHCARE INSURANCE COMPANY | $174K | — | $174K | 0.01% |
| GBS SPECIALTY MARKETS LLC TX3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 483020968 | UNITEDHEALTHCARE INSURANCE COMPANY | $146K | — | $146K | 0.01% |
| GBS SPECIALTY MARKETS LLC3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 483020968 | UNITEDHEALTHCARE INSURANCE COMPANY | $52K | — | $52K | 0.00% |
| AMWINS GROUP BENEFITS, INC3 | — | AETNA LIFE INSURANCE COMPANY | $0 | $2.8M | $2.8M | 0.25% |
| GALLAGHER VOLUNTARY BENEFITS3 | 70 NE LOOP 410 STE 325 SAN ANTONIO, TX 78216 | AETNA LIFE INSURANCE COMPANY | $0 | $274K | $274K | 0.02% |
| TRUE3 LLC3 | 5 SOUTH MAIN ST BRANFORD, CT 06405 | ANTHEM BLUE CROSS AND BLUE SHIELD | $94K | — | $94K | 0.02% |
| TRUE3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $777K | — | $777K | 0.66% |
| GBS SPECIALTY MARKETS, LLC3 | 70 NE LOOP 410 SUITE 325 SAN ANTONIO, TX 78216 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $688K | — | $688K | 0.59% |
| AON CONSULTING INC.3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $3.0M | $361K | $3.4M | 3.32% |
| AMWINS GROUP BENEFITS LLC3 | 50 WHITECAP ROAD NORTH KINGSTOWN, RI 02852 | HARVARD PILGRIM HEALTH CARE | $44K | — | $44K | 0.05% |
| AMWINS GROUP BENEFITS LLC3 | 2677 N MAIN STREET SUITE 800 SANTA ANA, CA 92705 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $0 | $58K | $58K | 0.09% |
| TRUE 3 LLC3 | 5 S MAIN ST BRANFORD, CT 06405 | AETNA LIFE INSURANCE COMPANY | $464K | — | $464K | 0.70% |
| GALLAGHER VOLUNTARY BENEFITS3 | 70 NE LOOP 410 STE 325 SAN ANTONIO, TX 782160582 | AETNA LIFE INSURANCE COMPANY | $428K | — | $428K | 0.65% |
| GBS SPECIALTY MARKETS LLC3 | — | DELTA DENTAL INSURANCE COMPANY | $736K | — | $736K | 1.16% |
| TRUE 3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | DELTA DENTAL INSURANCE COMPANY | $144K | — | $144K | 0.23% |
| GBS SPECIALTY MARKETS LLC3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 600080008 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $53K | — | $53K | 0.12% |
| GBS SPECIALTY MARKETS, LLC3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 483020968 | VISION SERVICE PLAN | $1.2M | — | $1.2M | 2.80% |
| TRUE 3 LLC3 | 5 S MAIN ST BRANFORD, CT 064053800 | VISION SERVICE PLAN | $931K | — | $931K | 2.20% |
| GBS SPECIALTY MARKETS LLC3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 600080008 | BLUE CARE NETWORK OF MICHIGAN | $0 | $37K | $37K | 0.14% |
| AMWINS GROUP BENEFITS LLC3 | 50 WHITECAP ROAD NORTH KINGSTOWN, RI 02852 | HPHC INSURANCE COMPANY | $14K | — | $14K | 0.05% |
| AMWINS GROUP BENEFITS LLC3 | 2677 N MAIN STREET SUITE 800 SANTA ANA, CA 92705 | ANTHEM HEALTH PLANS OF KY, INC. | $0 | $56K | $56K | 0.26% |
| GBS SPECIALTY MARKETS LLC3 | 2600 S TELEGRAPH ROAD STE 100 BLOOMFIELD HILLS, MI 48302 | ANTHEM HEALTH PLANS OF KY, INC. | $0 | $12K | $12K | 0.06% |
| AMWINS GROUP BENEFITS LLC3 | 2677 N MAIN STREET SUITE 800 SANTA ANA, CA 92705 | COMMUNITY INSURANCE COMPANY | $0 | $65K | $65K | 0.30% |
| GBS SPECIALTY MARKETS LLC3 | 2600 S TELEGRAPH ROAD STE 100 BLOOMFIELD HILLS, MI 48302 | COMMUNITY INSURANCE COMPANY | $0 | $63K | $63K | 0.29% |
| GBS SPECIALTY MARKETS LLC3 | 2600 S TELEGRAPH ROAD STE 100 BLOOMFIELD HILLS, MI 48302 | ANTHEM INSURANCE COMPANIES, INC. | $0 | $84K | $84K | 0.54% |
| AMWINS GROUP BENEFITS LLC3 | 2677 N MAIN STREET SUITE 800 SANTA ANA, CA 92705 | ANTHEM INSURANCE COMPANIES, INC. | $0 | $26K | $26K | 0.16% |
| GBS SPECIALTY MARKETS, LLC3 | 2600 S TELEGRAPH, STE 100 BLOOMFIELD HILLS, MI 48302 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $0 | $8K | $8K | 0.07% |
| AMWINS GROUP BENEFITS LLC3 | 2677 N MAIN STREET SUITE 800 SANTA ANA, CA 92705 | MATTHEW THORNTON HEALTH PLAN, INC. | $0 | $8K | $8K | 0.20% |
| AMWINS GROUP BENEFITS LLC3 | 2677 N MAIN STREET SUITE 800 SANTA ANA, CA 92705 | BLUE CROSS & BLUE SHIELD OF WISCONSIN | $0 | $9K | $9K | 0.28% |
| GBS SPECIALTY MARKETS LLC3 | 2600 S TELEGRAPH ROAD STE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS & BLUE SHIELD OF WISCONSIN | $0 | $8K | $8K | 0.24% |
| AMWINS GROUP BENEFITS LLC3 | 2677 N MAIN STREET SUITE 800 SANTA ANA, CA 92705 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $0 | $5K | $5K | 0.16% |
| AMWINS GROUP BENEFITS LLC3 | 2677 N MAIN STREET SUITE 800 SANTA ANA, CA 92705 | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | $0 | $5K | $5K | 0.21% |
| GBS SPECIALTY MARKETS LLC3 | 2600 S TELEGRAPH ROAD STE 100 BLOOMFIELD HILLS, MI 48302 | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | $0 | $4K | $4K | 0.17% |
| TRUE 3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | DENTEGRA INSURANCE COMPANY | $14K | — | $14K | 1.00% |
| GBS SPECIALTY MARKETS LLC3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | DENTEGRA INSURANCE COMPANY | $5K | — | $5K | 0.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GBS SPECIALTY MARKETS LLC EIN 37-1731018 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $21.8M |
| TRUE BENEFIT LLC EIN 26-1344637 NONE | Insurance agents and brokers; Direct payment from the plan; Investment management fees paid indirectly by plan Service code 22 | — | $20.6M |
| ADP TOTALSOURCE, INC EIN 59-3216484 PLAN ADMINISTRATOR | Direct payment from the plan; Plan Administrator Service code 14 | — | $13.0M |
| MILLIMAN EIN 91-0675641 NONE | Direct payment from the plan; Actuarial; Consulting (general) Service code 11 | — | $5.5M |
| ADVANCED TECH PLACEMENT EIN 84-4166143 NONE | Other services; Direct payment from the plan Service code 49 | — | $5.1M |
| AGM TECH SOLUTIONS LLC EIN 82-4010206 NONE | Other services; Direct payment from the plan Service code 49 | — | $2.9M |
| HEALTH ADVOCATE SOLUTIONS INC EIN 23-3080019 NONE | Other services; Direct payment from the plan Service code 49 | — | $2.0M |
| CSI COMPANIES INC EIN 59-3270426 NONE | Other services; Direct payment from the plan Service code 49 | — | $1.5M |
| OPTUMINSIGHT INC. EIN 41-1858498 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $940K |
| RR DONNELLEY INC EIN 16-0331690 NONE | Other services; Direct payment from the plan Service code 49 | — | $414K |
| SUNDAYSKY INC. EIN 42-1767107 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $398K |
| CROWE HORWATH LLP EIN 35-0921680 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $136K |
| PROSKAUER ROSE LLP EIN 13-1840454 NONE | Direct payment from the plan; Plan Administrator Service code 14 | — | $93K |
| DELOITTE TAX LLP EIN 86-1065772 NONE | Other services; Direct payment from the plan Service code 49 | — | $27K |
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 | 530,781 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5,258 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18,477 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 554,516 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(32 contracts, 32 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,043,315 | $4.7B |
| Dental(6 contracts, 6 carriers) | ANTHEM BLUE CROSS AND BLUE SHIELD | 169,449 | $654.5M |
| Vision(2 contracts, 2 carriers) | ANTHEM BLUE CROSS AND BLUE SHIELD | 336,563 | $436.8M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,043,315 | $102.7M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,043,315 | $102.7M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,043,315 | $102.7M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 6,599 | $72.5M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,043,315 | $131.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,043,315 | — |
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.