| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | — | $1K | $2K | |
| Broker comp per covered life | — | $0 | $122 | |
| Broker comp % of premium | — | 0.0% | 7.6% | |
| Retention rate | — | 0.0% | 3.4% | |
| Premium YoY % | — | — | — |
No insurance carriers on this filing. Self-funded welfare plans typically pay TPAs and PBMs through Schedule C, not Schedule A.
No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REED GROUP NONE | Claims processing; Direct payment from the plan Service code 12 | 10355 WESTMOOR DRIVE WESTMINISTER, CO 80021 | $462K |
| RUSSELL TRUST COMPANY EIN 91-1117282 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan; Investment management fees paid indirectly by plan Service code 21 | — | $430K |
| HARVEY W WATT AND CO. EIN 58-1873472 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $172K |
| WASHINGTON, PITTMAN & MCKEEVER, LLC EIN 36-4189747 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $19K |
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 | 11,547 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,549 | Active + retired/separated + beneficiaries. No dependents. |
No Schedule A insurance contracts on this filing — typical of fully self-funded plans, where the only headcount is the Form 5500 number above.
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."
Self-funded plan with no stop-loss carrier attached. Catastrophic-risk exposure; stop-loss specialist sales target.