| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $5K | $1K | $2K | +412.4% |
| Broker comp per covered life | $41 | $31 | $54 | +32.3% |
| Broker comp % of premium | 0.8% | 3.6% | 4.6% | -2.8 pp |
| Retention rate | 0.9% | 0.0% | 0.5% | |
| Premium YoY % | -19.4% | -12.9% | 6.5% | -6.5 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPASS CONSULTING GROUP LLC3 | 4348 SOUTHPOINT BOULEVARD JACKSONVILLE, FL 32216 | AETNA LIFE INSURANCE CO. | $65K | — | $65K | 0.25% |
| AON CORPORATION3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | AETNA LIFE INSURANCE CO. | $60K | — | $60K | 0.23% |
| HUB INTERNATIONAL NORTHEAST LIMITED3 | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | $377K | $88K | $465K | 2.46% |
| COMPASS CONSULTING GROUP LLC3 | 4348 SOUTHPOINT BOULEVARD JACKSONVILLE, FL 32216 | AETNA LIFE INSURANCE CO. | $43K | — | $43K | 0.25% |
| AON CORPORATION3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | AETNA LIFE INSURANCE CO. | $40K | — | $40K | 0.23% |
| HUB INTERNATIONAL OF CALIFORNIA3 | INSURANCE SERVICES PO BOX 2158 RIVERSIDE, CA 925162158 | KAISER FOUNDATION HEALTH PLAN INC | $300K | — | $300K | 1.85% |
| HUB INTERNATIONAL OF CALIFORNIA3 | INSURANCE SERVICES PO BOX 2158 RIVERSIDE, CA 925162158 | KAISER FOUNDATION HEALTH PLAN INC | $152K | — | $152K | 1.86% |
| COMPASS CONSULTING GROUP LLC3 | 4348 SOUTHPOINT BOULEVARD JACKSONVILLE, FL 32216 | AETNA LIFE INSURANCE CO. | $15K | — | $15K | 0.25% |
| AON CORPORATION3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | AETNA LIFE INSURANCE CO. | $14K | — | $14K | 0.23% |
| US BEN TEC WORKPLACE SOLUTIONS LLC3 | 99 WOOD AVENUE SOUTH ISELIN, NJ 08830 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $249K | — | $249K | 5.45% |
| HUB INTERNATIONAL NORTHEAST LIMITED3 | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | AETNA LIFE INSURANCE CO. | $31K | — | $31K | 1.02% |
| HUB INTERNATIONAL NORTHEAST LTD3 | 401 BROADHOLLOW ROAD MELVILLE, NY 11747 | ANTHEM BLUE CROSS AND BLUE SHIELD | $40K | — | $40K | 1.63% |
| HUB INTERNATIONAL INSURANCE SERVICE3 | PO BOX 2158 RIVERSIDE, CA 92516 | ANTHEM BLUE CROSS AND BLUE SHIELD | — | $869 | $869 | 0.04% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $258K | $3K | $261K | 12.78% |
| HUB INTERNATIONAL NORTHEAST LIMITED3 | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC. | $35K | $9K | $43K | 3.16% |
| HUB INTERNATIONAL NORTHEAST LIMITED3 | 1393 VETERANS MEMORIAL HIGHWAY SUITE 210N HAUPPAUGE, NY 11788 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $22K | — | $22K | 1.83% |
| HUB INTERNATIONAL NORTHEAST LIMITED3 | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | TUFTS INSURANCE COMPANY | $10K | $5K | $14K | 1.47% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $93K | $972 | $94K | 12.62% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $61K | — | $61K | 10.99% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVENUE SOUTH SUITE 501 ISELIN, NJ 08830 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $22K | — | $22K | 3.99% |
| PAYCHEX INSURANCE AGENCY3 | PO BOX 948 HENRIETTA, NY 14467 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $17K | — | $17K | 2.99% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $52K | — | $52K | 9.98% |
| US BENTEC WORKPLACE SOLUTIONS3 | 99 WOOD AVENUE SOUTH SUITE 501 ISELIN, NJ 08830 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $21K | — | $21K | 3.97% |
| PAYCHEX INSURANCE AGENCY3 | PO BOX 948 HENRIETTA, NY 14467 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $16K | — | $16K | 2.97% |
| DIGITAL INS INC3 | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $93K | $96K | $188K | 55.96% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $438 | $34K | 10.08% |
| HUB INTERNATIONAL NORTHEAST LTD3 | 1393 VETERANS MEMORIAL HWY STE 210N WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | $853 | $1K | $2K | 0.56% |
| HUB INTERNATIONAL NORTHEAST LTD3 | 1393 VETERANS MEMORIAL HWY SUITE 210N WOODBURY, NY 117972925 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $5K | — | $5K | 1.97% |
| HUB INTERNATIONAL NORTHEAST LTD3 | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | — | $4K | $4K | 1.41% |
| AJZ SYNERGIES3 | 327 STRATHMORE DRIVE BRYN MAWR, PA 19010 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $18K | — | $18K | 6.70% |
| HUB INTERNATIONAL NORTHEAST3 | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | — | $3K | 2.01% |
| HUB INTERNATIONAL NORTHEAST LIMITED3 | 1393 VETERANS MEMORIAL HWY SUITE 210N WOODBURY, NY 117972925 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $3K | — | $3K | 2.00% |
| HUB INTERNATIONAL NORTHEAST LTD3 | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $2K | $2K | 1.56% |
| AJZ SYNERGIES3 | 327 STRATHMORE DRIVE BRYN MAWR, PA 19010 | FEDERAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.50% |
| HUB INTERNATIONAL NORTHEAST LIMITED3 | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $2K | — | $2K | 2.07% |
| HUB INTERNATIONAL NORTHEAST LTD3 | 1393 VETERANS MEMORIAL HWY SUITE 210N WOODBURY, NY 117972925 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $815 | — | $815 | 1.98% |
| HUB INTERNATIONAL NORTHEAST LTD3 | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 117972925 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | — | $556 | $556 | 1.35% |
| DIGITAL INS INC3 | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $44K | $27K | $71K | — |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $1K | $21K | — |
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 | 86,064 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 330 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 86,394 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(32 contracts, 14 carriers) | AETNA LIFE INSURANCE CO. | 8,182 | $288.3M |
| Dental(8 contracts, 7 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 43,667 | $30.7M |
| Vision(2 contracts, 2 carriers) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 60,356 | $7.0M |
| Short-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 10,363 | $337K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 21,867 | $2.8M |
| Prescription drug(9 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,927 | $39.1M |
| Other(3 contracts, 3 carriers) | ACENTRA | 42,535 | $678K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 60,356 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.