| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $1K | $711 | $1K | +46.5% |
| Broker comp per covered life | $4 | $40 | $64 | -91.3% |
| Broker comp % of premium | 0.3% | 6.1% | 7.4% | -5.8 pp |
| Retention rate | 0.0% | 0.0% | 2.7% | |
| Premium YoY % | — | -6.9% | -5.9% |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLD US KING OF PRUSSIA, PA 19406 | SECURIAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.94% |
| HM LIFE INSURANCE COMPANY | 120 FIFTH AVENUE PITTSBURG, PA 15222 | DAVIS VISION | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLD US KING OF PRUSSIA, PA 14906 | SECURIAN LIFE INSURANCE COMPANY | $0 | $473 | $473 | 0.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 | Contract Administrator; Claims processing Service code 12 | — | $9K |
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 | 927 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 936 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | TAKE CARE | 324 | $551K |
| Vision | DAVIS VISION | 1,246 | $72K |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 684 | $48K |
| Long-term disability | METROPOLITAN LIFE INSURANCE | 708 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,250 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.