| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $5K | $478 | $1K | +1014.8% |
| Broker comp per covered life | $0 | $17 | $13 | -99.2% |
| Broker comp % of premium | 0.0% | 4.0% | 6.2% | -4.0 pp |
| Retention rate | 5.7% | 0.0% | 0.8% | |
| Premium YoY % | -94.7% | -23.5% | -15.2% | -71.2 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE BENEFIT ADVISORS3 | 1901 ROXBOROUGH RD #300 CHARLOTTE, NC 28211 | UNITED HEALTHCARE INSURANCE COMPANY | — | $8K | $8K | 0.00% |
| THE DANIEL & HENRY CO3 | 1001 HIGHLANDS PLAZA DR W # 500 ST LOUIS, MO 63110 | UNITED HEALTHCARE INSURANCE COMPANY | — | $4K | $4K | 0.00% |
| BENCHMARK PLANNING GROUP, LLC3 | 65 MECHANIC ST # 205 RED BANK, NJ 07701 | UNITED HEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.00% |
| NEW AGENCY PARTNERS3 | 99 CHERRY HILL RD #200 PARSIPPANY, NJ 07054 | UNITED HEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.00% |
| ENDEAVOR INSURANCE SERVICES, INC.3 | PO BOX 198 GREER, SC 29652 | UNITED HEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 0.00% |
| THE HORTON GROUP INC3 | 10320 ORLAND PARKWAY ORLAND PARK, IL 60467 | UNITED HEALTHCARE INSURANCE COMPANY | — | $880 | $880 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR #200 CHESTERVILLE, MO 63017 | UNITED HEALTHCARE INSURANCE COMPANY | — | $800 | $800 | 0.00% |
| CLJM LLC3 | ATTN KATH MALLONEE 8235 FORSYTH BLVD, STE 1200 CLAYTON, MO 63105 | UNITED HEALTHCARE INSURANCE COMPANY | — | $728 | $728 | 0.00% |
| CUSTOMIZED BENEFIT SOLUTIONS3 | 125 RAILROAD AVE #2 HIGHTSTOWN, NJ 08520 | UNITED HEALTHCARE INSURANCE COMPANY | — | $725 | $725 | 0.00% |
| FIRST PERSON BENEFIT ADVISORS3 | 9000 KEYSTONE XING #910 INDIANAPOLIS, IN 46240 | UNITED HEALTHCARE INSURANCE COMPANY | — | $630 | $630 | 0.00% |
| BUETTNER INSURANCE AGENCY3 | 5200 WARNER AVE #105 HUNTINGTON BEACH, CA 92649 | UNITED HEALTHCARE INSURANCE COMPANY | — | $475 | $475 | 0.00% |
| JOHN H KRANTZ III3 | 12801 N CENTRAL EXPRESSWAY # 1710 DALLAS, TX 75243 | UNITED HEALTHCARE INSURANCE COMPANY | — | $437 | $437 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE #400 SADDLE BROOK, NJ 07663 | UNITED HEALTHCARE INSURANCE COMPANY | — | $420 | $420 | 0.00% |
| BLACKFORD & ASSOCIATES LLC3 | 4600 TOUCHTON RD E STE 1150 JACKSONVILLE, FL 32246 | UNITED HEALTHCARE INSURANCE COMPANY | — | $406 | $406 | 0.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | UNITED HEALTHCARE INSURANCE COMPANY | — | $381 | $381 | 0.00% |
| ADVANCED BENEFIT STRATEGIES3 | 1593 SPRING HILL RD #155E VIENNA, VA 22182 | UNITED HEALTHCARE INSURANCE COMPANY | — | $321 | $321 | 0.00% |
| EMPLOYEE BENEFITS GROUP INC.3 | 4405 EAST WEST HWY #202 BETHESDA, MD 20814 | UNITED HEALTHCARE INSURANCE COMPANY | — | $297 | $297 | 0.00% |
| THE MELTZER GROUP INC.3 | 6500 ROCK SPRING DR #500 BETHESDA, MD 20817 | UNITED HEALTHCARE INSURANCE COMPANY | — | $267 | $267 | 0.00% |
| KAREN R HAMMOND3 | 2841 HARTLAND RD #406 FALLS CHRUCH, VA 22043 | UNITED HEALTHCARE INSURANCE COMPANY | — | $240 | $240 | 0.00% |
| ASSURANCE LTD3 | 5740 S ARVILLE #204 LAS VEGAS, NV 89118 | UNITED HEALTHCARE INSURANCE COMPANY | — | $233 | $233 | 0.00% |
| AMALYN CONSULTING LLC3 | 12590 N 73RD PL SCOTTSDALE, AZ 85260 | UNITED HEALTHCARE INSURANCE COMPANY | — | $100 | $100 | 0.00% |
| AGENCY INSURANCE INC.3 | 1 ELIOT PL #200 FAIRFIELD, CT 06824 | UNITED HEALTHCARE INSURANCE COMPANY | — | $77 | $77 | 0.00% |
| PEACHTREE BENEFIT GROUP INC3 | 3580 PIERCE DR NE #100 ATLANTA, GA 30341 | UNITED HEALTHCARE INSURANCE COMPANY | — | $63 | $63 | 0.00% |
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | BLUE SHIELD OF CALIFORNIA, CALIFORNIA PHYSICIANS SERVICE | $14K | — | $14K | 0.57% |
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 | 155,170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,706 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 158,876 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(20 contracts, 8 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 292,792 | $1.5B |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 292,792 | $1.4B |
| Vision | VISION SERVICE PLAN | 141,244 | $11.4M |
| Prescription drug(20 contracts, 8 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 292,792 | $1.5B |
| Other | UNITED HEALTHCARE INSURANCE COMPANY, OPTUM CARE 24 | 228,521 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292,792 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.