| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $2K | $593 | $1K | +315.3% |
| Broker comp per covered life | $14 | $5 | $21 | +155.7% |
| Broker comp % of premium | 0.6% | 1.4% | 2.5% | -0.8 pp |
| Retention rate | 0.0% | 0.0% | 0.9% | |
| Premium YoY % | -12.1% | 0.1% | -2.2% | -12.2 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE LEADERS GROUP INC3 | 26 W DRY CREEK CIR STE 575 LITTLETON, CO 801208067 | METROPOLITAN LIFE INSURANCE COMPANY | $713K | — | $713K | 3.96% |
| TRION GROUP A MARSH & MCLENNAN CO3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | $85K | $124K | $209K | 2.30% |
| TRION GROUP A MARSH & MCLENNAN3 | AGENCY LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | $85K | $124K | $209K | 2.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $68K | — | $68K | 1.50% |
| WALTER MARKOVSKY, JR3 | 3210-2G LYNN RIDGE DRIVE RALEIGH, NC 27613 | MONUMENTAL LIFE INSURANCE COMPANY | $17K | — | $17K | 4.98% |
| JOHN MIKE COLLINS3 | 1620 MAIN STREET SUITE 5 SARASOTA, FL 342365824 | MONUMENTAL LIFE INSURANCE COMPANY | $17K | — | $17K | 4.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $2K | — | $2K | 1.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEWITT ASSOCIATES LLC EIN 36-2235791 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $34.1M |
| CIGNA EIN 59-1031071 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $56K |
| NORTHERN TRUST EIN 36-1561860 NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $42K |
| WASHINGTON PITTMAN AND MCKEEVER LLC EIN 36-4189747 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $33K |
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 | 85,679 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36,795 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,047 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123,521 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 7 carriers) | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 24,855 | $21.3M |
| Dental(5 contracts, 5 carriers) | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 24,855 | $20.4M |
| Vision(4 contracts, 3 carriers) | HMSA BLUE CROSS BLUE SHIELD OF HAWAII | 37,620 | $23.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 45,660 | $18.0M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 45,191 | $18.2M |
| Long-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 45,191 | $18.3M |
| Prescription drug | TRIPLE S SALUD, INC. | 53 | $265K |
| Other(2 contracts) | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | 89,600 | $4.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 89,600 | — |
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.