| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $302 | $375 | $650 | -19.7% |
| Broker comp per covered life | $14 | $4 | $18 | +262.7% |
| Broker comp % of premium | 4.7% | 1.8% | 4.1% | +2.9 pp |
| Retention rate | 0.7% | 0.0% | 2.4% | |
| Premium YoY % | -55.8% | -0.2% | -5.1% | -55.6 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEDGWICK CLAIMS MANAGEMENT SERVICES5 | 2620 THOUSAND OAKS BLVD. MEMPHIS, TN 38118 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $6.6M | $6.6M | 10.01% |
| MARSH USA, INC.3 | D/B/A TRION GROUP, MMC CO. 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $450K | — | $450K | 0.68% |
| WILLIAM KELLY, JR.3 | 3100 WEST END AVE, STE 905 NASHVILLE, TN 37203 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $442K | — | $442K | 0.67% |
| DANIEL WISTED3 | 3440 PRESTON RIDGE RD. ALPHARETTA, GA 30005 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $92K | — | $92K | 0.14% |
| DONALD HURWITZ, III3 | 1600 DIVISION ST., SUITE 400 NASHVILLE, TN 37203 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $92K | — | $92K | 0.14% |
| VOLUNTARY EMPLOYEE BENEFITS ADV.3 | ONE AMERICA CENTER 3100 WEST END AVENUE NASHVILLE, TN 37203 | EYEMED VISION CARE | $408K | — | $408K | 2.98% |
| HEWITT ASSOCIATES, LLC3 | 200 EAST RANDOLPH ST. CHICAGO, IL 60601 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | $89K | — | $89K | 1.08% |
| DUBRASKI & ASSOCIATES INSURANCE SVS3 | 11622 EL CAMINO REAL, SUITE 100 SAN DIEGO, CA 92130 | SUN LIFE ASSURANCE COMPANY OF CANADA | $223K | $33K | $256K | 4.63% |
| AON HEWITT3 | — | DELTA DENTAL OF CALIFORNIA | $25K | — | $25K | 0.75% |
| WILLIAM A. KELLY3 | 3100 WEST END AVE. STE 905 NASHVILLE, TN 37203 | TRANSAMERICA LIFE INSURANCE COMPANY | $16K | — | $16K | 0.59% |
| HEWITT ASSOC.3 | 3350 RIVERWOOD PKWY SE, #80 ATLANTA, GA 30339 | DELTA DENTAL OF TENNESSEE | $16K | — | $16K | 1.00% |
| WILLIAM KELLY3 | 3100 WEST END AVENUE, SUITE 940 NASHVILLE, TN 37203 | LEGALACCESS | — | $164K | $164K | 13.36% |
| WILLIAM A. KELLY3 | 3100 WEST END AVENUE, SUITE 905 NASHVILLE, TN 372031394 | METROPOLITAN LIFE INSURANCE COMPANY | $57K | — | $57K | 4.91% |
| HEWITT ASSOCIATES, LLC3 | 3350 RIVERWOOD PKWY SE, #80 ATLANTA, GA 30339 | DELTA DENTAL OF TENNESSEE | $8K | — | $8K | 1.00% |
| HEWITT ASSOCIATES3 | 39340 TREASURY CENTER CHICAGO, IL 60694 | AETNA LIFE INSURANCE COMPANY | $7K | — | $7K | 1.06% |
| HEWITT ASSOCIATES, LLC3 | 3350 RIVERWOOD PKWY SE, #80 ATLANTA, GA 30339 | DELTA DENTAL OF TENNESSEE | $6K | — | $6K | 1.00% |
| HEWITT ASSOC.3 | 3350 RIVERWOOD PKWY SE, #80 ATLANTA, TN 30339 | DELTA DENTAL OF TENNESSEE | $3K | — | $3K | 1.00% |
| VOLUNTARY EMPLOYEE BENEFITS ADVISOR3 | ONE AMERICA CENTER 3100 WEST END AVENUE NASHVILLE, TN 37203 | EYEMED VISION CARE | $2K | — | $2K | 3.26% |
| WILLIAM A. KELLY, JR.3 | 3100 WEST END AVE. STE. 905 NASHVILLE, TN 372031394 | VISION SERVICE PLAN | $1K | — | $1K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE CO. EIN 36-2739571 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $27.7M |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 CLAIM ADMINISTRATION | Contract Administrator; Claims processing; Named fiduciary; Direct payment from the plan; Non-monetary compensation; Participant communication; Float revenue; Other services Service code 12 | — | $19.9M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $19.5M |
| BEACON HEALTH OPTIONS EIN 54-1414194 INSURANCE CARRIER | Insurance services Service code 23 | — | $3.4M |
| METROPOLITIAN LIFE INSURANCE CO. EIN 13-5581829 INSURANCE CARRIER | Contract Administrator; Claims processing Service code 12 | — | $2.7M |
| BLUECROSS BLUESHEILD OF FLORIDA EIN 59-2015694 ASO FEES | Claims processing Service code 12 | — | $1.7M |
| BLUECROSS BLUESHIELD OF FLORIDA | Other services Service code 49 | — | $810K |
| WILLIS RE, INC. TPA | Contract Administrator; Claims processing Service code 12 | P.O. BOX 60820 CHARLOTTE, NC 28260 | $167K |
| BARRETT & SONS EIN 59-2175197 INSURANCE BROKERS | Insurance agents and brokers Service code 22 | — | $129K |
| BARRETT LINER & RUSS | Insurance agents and brokers Service code 22 | — | $119K |
| BARRETT LINER & BUSS, LLC EIN 47-4575205 AGENT | Insurance agents and brokers Service code 22 | — | $0 |
| CIGNA | Named fiduciary; Participant communication; Other services; Contract Administrator; Claims processing; Direct payment from the plan; Float revenue; Non-monetary compensation Service code 12 | — | $0 |
| COVENTRY HEALTH CARE OF KANSAS, INC EIN 48-0840330 N/A | Insurance services Service code 23 | — | $0 |
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 | 152,064 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 640 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152,704 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | BLUECHOICE HEALTHPLAN | 632 | $470K |
| Dental(17 contracts, 6 carriers) | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | 36,296 | $18.0M |
| Vision(4 contracts, 2 carriers) | EYEMED VISION CARE | 230,480 | $14.2M |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 614,704 | $68.6M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 614,704 | $65.9M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 614,704 | $65.9M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 147,221 | $5.5M |
| Other(14 contracts, 6 carriers) | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | 209,170 | $17.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 614,704 | — |
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.