| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $6K | $1K | $2K | +381.2% |
| Broker comp per covered life | $60 | $60 | $283 | 0.0% |
| Broker comp % of premium | 1.1% | 3.0% | 38.1% | -1.9 pp |
| Retention rate | 0.0% | 0.0% | 8.1% | 0.0 pp |
| Premium YoY % | -55.4% | -10.2% | -2.9% | -45.2 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | AETNA LIFE INSURANCE COMPANY AND AFFILATES | $118K | — | $118K | 0.08% |
| HUB INTERNATIONAL NORTHEAST LIMITED3 | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | AETNA LIFE INSURANCE COMPANY AND AFFILATES | $52K | — | $52K | 0.03% |
| DIGINTAL INSURANCE3 | 400 GALLERIA PARKWAY SUITE 300 ATLANTA, GA 30339 | AETNA LIFE INSURANCE COMPANY AND AFFILATES | $48K | — | $48K | 0.03% |
| AON CORPORATION3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | AETNA LIFE INSURANCE COMPANY AND AFFILATES | $46K | — | $46K | 0.03% |
| COMPASS CONSULTING GROUP INC3 | 4348 SOUTHPOINT BOULEVARD SUITE 4346 JACKSONVILLE, FL 32216 | AETNA LIFE INSURANCE COMPANY AND AFFILATES | $30K | — | $30K | 0.02% |
| AON CORPORATION3 | PO BOX 905494 CHARLOTTE, NC 28290 | AETNA LIFE INSURANCE COMPANY AND AFFILATES | $10K | — | $10K | 0.01% |
| COMPASS CONSULTING GROUP INC3 | 4348 SOUTHPOINT BOULEVARD SUITE 400 JACKSONVILLE, FL 32216 | AETNA HEALTH INC. | $14K | — | $14K | 0.02% |
| AON CORPORATION3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | AETNA HEALTH INC. | $9K | — | $9K | 0.02% |
| AON CORPORATION3 | PO BOX 905494 CHARLOTTE, NC 282905494 | AETNA HEALTH INC. | $95 | — | $95 | 0.00% |
| HUB INTERNATIONAL NORTHEAST LIMITED3 | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 117972925 | KAISER FOUNDATION HEALTH PLAN INC | $168K | — | $168K | 2.00% |
| HUB INTERNATIONAL NORTHEAST LTD3 | 1393 VETERANS HIGHWAY SUITE 210N HAUPPAUGE, NY 117883058 | METROPOLITAN LIFE INSURANCE COMPANY | $115K | $252 | $115K | 1.83% |
| HUB INTERNATIONAL NORTHEAST LIMITED3 | 1393 VETERANS HIGHWAY SUITE 210N HAUPPAUGE, NY 117883058 | METROPOLITAN LIFE INSURANCE COMPANY | — | $106K | $106K | 1.69% |
| HUB INTERNATIONAL NORTHEAST3 | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $175K | — | $175K | 2.98% |
| VARIOUS AGENTS3 | 1200 ASHWOOD PARKWAY SUITE 180 ATLANTA, GA 30338 | KANAWHA INSURANCE COMPANY | $995K | $30K | $1.0M | 26.63% |
| DIGITAL INSURANCE INC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $177K | $177K | $354K | 10.00% |
| DWIGHT L PIERCE3 | 1200 EAST TAFT AVENUE SPULPA, OK 74066 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $161K | — | $161K | 4.97% |
| AMERICAN HEALTHCARE GROUP INC3 | 3939 PRIORITY WAY SOUTH DRIVE INDIANAPOLIS, IN 46240 | ANTHEM INSURANCE COMPANY INC | $57K | — | $57K | 1.93% |
| ASSURED NEACE LUKENS INSURANCE3 | AGENCY INC 2305 RIVER ROAD LOUISVILLE, KY 40206 | ANTHEM INSURANCE COMPANY INC | $22K | — | $22K | 0.76% |
| RONALD F REMAK INSURANCE INC3 | 306 STATE ROAD 446 BLOOMINGTON, IN 47401 | ANTHEM INSURANCE COMPANY INC | $22K | — | $22K | 0.75% |
| BROWN & BROWN OF INDIANA LLC3 | 11555 M MERDIAN STREET SUITE 220 CARMEL, IN 46032 | ANTHEM INSURANCE COMPANY INC | $12K | — | $12K | 0.42% |
| ASSUREDPARTNERS OF INDIANA LLC3 | 10401 N MERIDIAN STREET SUITE 300 INDIANAPOLIS, IN 46032 | ANTHEM INSURANCE COMPANY INC | $12K | — | $12K | 0.41% |
| PREMIER MARKETING GROUP AGENCY INC3 | 10214 CHESTNUT PLAZA DRIVE PMB 301 FORT WAYNE, IN 46814 | ANTHEM INSURANCE COMPANY INC | $4K | — | $4K | 0.14% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | ANTHEM INSURANCE COMPANY INC | $4K | — | $4K | 0.12% |
| MEDLINK INC3 | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | ANTHEM INSURANCE COMPANY INC | $2K | $46 | $2K | 0.08% |
| STRATEGIC INS INC2 | 484 EAST CARMEL DRIVE SUITE 358 CARMEL, IN 46032 | ANTHEM INSURANCE COMPANY INC | -$30 | — | -$30 | -0.00% |
| 1ST SOURCE INSURANCE INC3 | PO BOX 1602 SOUTH BEND, IN 46634 | ANTHEM INSURANCE COMPANY INC | -$60 | — | -$60 | -0.00% |
| HUB INTERNATIONAL NORTHEAST LIMITED3 | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $56K | $6K | $62K | 2.22% |
| HUB INTERNATIONAL NORTHEAST LIMITED3 | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC. | $40K | — | $40K | 2.01% |
| HUB INTERNATIONAL NORTHEAST LIMITED3 | 1393 VETERANS MEMORIAL HIGHWAY SUITE 210N HAUPPAUGE, NY 11788 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $22K | — | $22K | 2.02% |
| HUB INTERNATIONAL NORTHEAST LTD3 | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $6K | — | $6K | 4.00% |
| HUB INTERNATIONAL NORTHEAST LIMITED3 | 1393 VETERANS HIGHWAY SUITE 210N HAUPPAUGE, NY 117883059 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | — | $3K | $3K | 2.19% |
| HUB INTERNATIONAL NORTHEAST LTD3 | 1392 VETERANS HIGHWAY SUITE 210N HAUPPAUGE, NY 117883058 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $3K | — | $3K | 1.84% |
| HUB INTERNATIONAL NORTHEAST LIMITED3 | 1393 VETERANS HIGHWAY SUITE 210N HAUPPAGE, NY 117883058 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | — | $2K | $2K | 2.31% |
| HUB INTERNATIONAL NORTHEAST LTD3 | 1393 VETERANS HIGHWAY SUITE 210N HAUPPAUGE, NY 117883058 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $1K | — | $1K | 1.85% |
| HUB INTERNATIONAL NORTHEAST LIMITED3 | 1393 VETERNS HIGHWAY SUITE 210N HAUPPAUGE, NY 117883058 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $871 | — | $871 | 1.83% |
| HUB INTERNATIONAL NORTHEAST LIMITED3 | 1393 VETERANS HIGHWAY SUITE 210N HAUPPAGE, NY 117883056 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $840 | $840 | 1.76% |
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 | 32,767 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 543 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 33,310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILATES | 33,911 | $172.3M |
| Dental(7 contracts, 7 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILATES | 33,911 | $167.6M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 45,217 | $3.2M |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILATES | 34,713 | $158.6M |
| Short-term disability | AETNA LIFE INSURANCE COMPANY AND AFFILATES | 33,911 | $155.0M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY AND AFFILATES | 33,911 | $155.0M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 1,693 | $8.4M |
| Other(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILATES | 34,713 | $162.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 45,217 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.