| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $817 | $540 | $1K | +51.3% |
| Broker comp per covered life | $9 | $14 | $39 | -30.4% |
| Broker comp % of premium | 1.2% | 2.2% | 5.5% | -1.1 pp |
| Retention rate | 0.1% | 0.0% | 2.2% | |
| Premium YoY % | -54.5% | -4.8% | 3.0% | -49.7 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $141K | $548K | $690K | 0.76% |
| DONALD S HURWITZ3 | 1600 DIVISION ST STE 400 NASHVILLE, TN 37203 | HARTFORD LIFE AND ACCIDENT | $162K | $172K | $334K | 0.37% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | — | $215K | $215K | 0.24% |
| DIGITAL INSURANCE LLC3 | 72 SHARP ST UNIT C12 HINGHAM, MA 02043 | HARTFORD LIFE AND ACCIDENT | $162K | — | $162K | 0.18% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTING AVE STE 401 BOSTON, MA 02199 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 0.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $440K | $150K | $590K | 3.41% |
| MARSH & MCLENNAN AGENCY, LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | UNITEDHEALTHCARE INSURANCE COMPANY | $730K | — | $730K | 4.27% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $43K | $7K | $50K | 1.17% |
| AON CONSULTING INC-TAMPA3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | HUMANA COMPBENEFITS INSURANCE COMPANY | $16K | — | $16K | 1.00% |
| WILLIAM A. KELLY3 | PO BOX 17405 NASHVILLE, TN 37217 | TRANSAMERICA LIFE INSURANCE COMPANY | $229 | — | $229 | 0.02% |
| AON CONSULTING3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $14K | — | $14K | 1.00% |
| AON CONSULTING3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $13K | — | $13K | 1.00% |
| WILLIAM KELLY3 | PO BOX 17405 NASHVILLE, TN 372170405 | METROPOLITAN LIFE INSURANCE COMPANY | $68K | — | $68K | 6.71% |
| AON CONSULTING3 | 3565 PIEDMONT RD. NE STE 600 ATLANTA, GA 30305 | DELTA DENTAL OF TENNESSEE | $8K | — | $8K | 1.00% |
| AON CONSULTING3 | 3565 PIEDMONT RD NE STE 600 ATLANTA, GA 30305 | DELTA DENTAL OF TENNESSEE | $7K | — | $7K | 1.00% |
| AON CONSULTING3 | 3565 PIEDMONT RD NE STE 600 ATLANTA, GA 30305 | DELTA DENTAL OF TENNESSEE | $6K | — | $6K | 1.00% |
| AON CONSULTING3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $5K | — | $5K | 1.00% |
| AON CONSULTING3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $4K | — | $4K | 1.00% |
| AON CONSULTING3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $3K | — | $3K | 1.00% |
| AON CONSULTING3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH MISSOURI, INC. | $2K | — | $2K | 1.00% |
| AON CONSULTING3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 7.50% |
| MARSH & MCLENNAN AGENCY, LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 4.25% |
| AON CONSULTING3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF KANSAS, INC. | $1K | — | $1K | 1.00% |
| AON CONSULTING3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | $106 | — | $106 | 1.00% |
| AON CONSULTING3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $69 | — | $69 | 1.00% |
| AON CONSULTING3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $27 | — | $27 | 1.02% |
| AON CONSULTING3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $16 | — | $16 | 1.00% |
| AON CONSULTING3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF OHIO, INC. | $7 | — | $7 | 0.97% |
| AON CONSULTING3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $6 | — | $6 | 0.94% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $2 | — | $2 | 0.83% |
| AON CONSULTING3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $1 | — | $1 | 1.67% |
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 | 308,898 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,006 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 310,904 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED BEHAVIORAL HEALTH DBA OPTUM | 310,156 | $12.6M |
| Dental(21 contracts, 19 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 10,356 | $12.2M |
| Vision(3 contracts, 2 carriers) | EYEMED VISION CARE | 289,460 | $21.1M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 212,054 | $92.2M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 212,054 | $90.8M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 212,054 | $90.8M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 188,674 | $17.3M |
| Other(6 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 213,920 | $116.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310,156 | — |
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.