| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | — | $4K | $5K | |
| Broker comp per covered life | — | $0 | $129 | |
| Broker comp % of premium | — | 0.0% | 3.0% | |
| Retention rate | — | 0.0% | 0.0% | |
| Premium YoY % | — | -20.7% | -24.5% |
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 |
|---|---|---|---|
| RUSSELL INVESTMENTS TRUST COMPANY EIN 91-1116938 NONE | Trustee (directed); Direct payment from the plan Service code 25 | — | $769K |
| REED GROUP NONE | Claims processing; Direct payment from the plan Service code 12 | 10355 WESTMOOR DRIVE WESTMINISTER, CO 80021 | $755K |
| JP MORGAN EIN 13-2781641 NONE | Direct payment from the plan; Contract Administrator Service code 13 | P.O. BOX 419784 KANSAS CITY, MO 64141 | $67K |
| COMERCIA BANK NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | 1717 MAIN STREET DALLAS, TX 75201 | $8K |
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 | 12,855 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,867 | 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.