| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $6K | $768 | $1K | +675.5% |
| Broker comp per covered life | $84 | $79 | $72 | +5.6% |
| Broker comp % of premium | 1.4% | 9.2% | 7.8% | -7.8 pp |
| Retention rate | 0.0% | 0.0% | 1.4% | |
| Premium YoY % | -76.2% | -28.8% | -18.8% | -47.5 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CORPORATION3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE COMPANY AND AFFILATES | $555K | — | $555K | 0.31% |
| DIGITAL INSURANCE3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | AETNA LIFE INSURANCE COMPANY AND AFFILATES | $156K | $168 | $156K | 0.09% |
| COMPASS CONSULTING GROUP INC3 | 4348 SOUTHPOINT BOULEVARD SUITE 400 JACKSONVILLE, FL 32216 | AETNA LIFE INSURANCE COMPANY AND AFFILATES | $56K | — | $56K | 0.03% |
| HUB INTERNATIONAL NORTHEAST LIMITED3 | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | AETNA LIFE INSURANCE COMPANY AND AFFILATES | $48K | — | $48K | 0.03% |
| AON CORPORATION3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | AETNA HEALTH INC. | $769K | — | $769K | 1.35% |
| COMPASS CONSULTING GROUP INC3 | 4348 SOUTHPOINT BOULEVARD SUITE 400 JACKSONVILLE, FL 32216 | AETNA HEALTH INC. | $516K | — | $516K | 0.91% |
| HUB INTERNATIONAL NORTHEAST LTD3 | 1393 VETERANS HIGHWAY SUITE 210N HAUPPAUGE, NY 117883058 | METROPOLITAN LIFE INSURANCE COMPANY | $262K | $60 | $262K | 1.91% |
| HUB INTERNATIONAL NORTHEAST LIMITED3 | 1393 VETERANS HIGHWAY SUITE 210N HAUPPAUGE, NY 117883056 | METROPOLITAN LIFE INSURANCE COMPANY | — | $101K | $101K | 0.74% |
| HUB INTERNATIONAL NORTHEAST LIMITED3 | 1393 VETERANS HIGHWAY SUITE 210N HAUPPAUGE, NY 117883058 | METROPOLITAN LIFE INSURANCE COMPANY | — | $67K | $67K | 0.49% |
| HUB INTERNATIONAL NORTHEAST LIMITED3 | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 117972925 | KAISER FOUNDATION HEALTH PLAN INC | $189K | — | $189K | 2.12% |
| DIGITAL INSURANCE INC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $182K | $83K | $265K | 6.66% |
| HUB INTERNATIONAL NORTHEAST LIMITED3 | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 117972925 | KAISER FOUNDATION HEALTH PLAN INC | $69K | — | $69K | 1.89% |
| DWIGHT L PIERCE3 | 1200 EAST TAFT AVENUE SPULPA, OK 74066 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $169K | — | $169K | 4.98% |
| HUB INTERNATIONAL NORTHEAST LTD3 | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $88K | — | $88K | 3.07% |
| HUB INTERNATIONAL NORTHEAST LIMITED3 | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $52K | — | $52K | 2.02% |
| AMERICAN HEALTHCARE GROUP INC.3 | 3939 PRIORITY WAY SOUTH DRIVE INDIANAPOLIS, IN 46240 | ANTHEM INSURANCE COMPANIES | $47K | — | $47K | 1.85% |
| RONALD F REMAK INSURANCE INC3 | 308 STATE ROAD 446 BLOOMINGTON, IN 47401 | ANTHEM INSURANCE COMPANIES | $26K | — | $26K | 1.05% |
| ASSURED PARTNERS NL LLC3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | ANTHEM INSURANCE COMPANIES | $18K | — | $18K | 0.73% |
| ASSURED PARTNERS OF INDIANA LLC3 | 10401 N MERIDIAN STREET SUITE 300 INDIANAPOLIS, IN 46290 | ANTHEM INSURANCE COMPANIES | $18K | — | $18K | 0.72% |
| PREMIER MARKETING GROUP AGENCY INC3 | 10214 CHESTNUT PLAZA DRIVE PMB 301 FORT WAYNE, IN 46814 | ANTHEM INSURANCE COMPANIES | $11K | — | $11K | 0.43% |
| BROWN & BROWN OF INDIANA LLC3 | 11595 N MERIDIAN STREET SUITE 250 CARMEL, IN 46032 | ANTHEM INSURANCE COMPANIES | $10K | — | $10K | 0.38% |
| MEDLINK INC3 | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | ANTHEM INSURANCE COMPANIES | $2K | — | $2K | 0.09% |
| HUB INTERNATIONAL NORTHEAST LIMITED3 | 1393 VETERANS MEMORIAL HIGHWAY SUITE 210N HAUPPAUGE, NY 11788 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $21K | — | $21K | 2.04% |
| VARIOUS AGENTS3 | 1200 ASHWOOD PARKWAY SUITE 180 ATLANTA, GA 30338 | KANAWHA INSURANCE COMPANY | $362K | — | $362K | 45.16% |
| HUB INTERNATIONAL NORTHEAST LIMITED3 | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC. | $11K | — | $11K | 1.61% |
| HUB INTERNATIONAL NORTHEAST LIMITED3 | 1393 VETERANS HIGHWAY SUITE 210N HAUPPAUGE, NY 117883059 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $4K | $897 | $5K | 2.36% |
| HUB INTERNATIONAL NORTHEAST LTD3 | 1392 VETERANS HIGHWAY SUITE 210N HAUPPAUGE, NY 117883058 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | — | $5K | $5K | 2.31% |
| HUB INTERNATIONAL NORTHEAST LIMITED3 | 1393 VETERNS HIGHWAY SUITE 210N HAUPPAUGE, NY 117883058 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $2K | $2K | $3K | 4.02% |
| HUB INTERNATIONAL NORTHEAST LIMITED3 | 1393 VETERANS HIGHWAY SUITE 210N HAUPPAGE, NY 117883056 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $341 | $341 | 0.41% |
| HUB INTERNATIONAL NORTHEAST LTD3 | 1393 VETERANS HIGHWAY SUITE 210N HAUPPAUGE, NY 117883058 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $2K | $3K | $4K | 5.27% |
| HUB INTERNATIONAL NORTHEAST LIMITED3 | 1393 VETERANS HIGHWAY SUITE 210N HAUPPAGE, NY 117883058 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | — | $317 | $317 | 0.42% |
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 | 579 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 33,346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 8 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILATES | 31,471 | $255.9M |
| Dental(5 contracts, 5 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILATES | 33,920 | $190.9M |
| Vision(2 contracts, 2 carriers) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 46,739 | $6.3M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 35,992 | $4.0M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY AND AFFILATES | 31,471 | $176.9M |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILATES | 31,471 | $185.8M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 35,992 | $5.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 46,739 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.