| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $6K | $646 | $2K | +797.4% |
| Broker comp per covered life | $0 | $9 | $31 | -100.0% |
| Broker comp % of premium | 0.0% | 2.5% | 2.3% | -2.5 pp |
| Retention rate | 5.7% | 0.0% | 1.3% | |
| Premium YoY % | -62.8% | -45.1% | -36.9% | -17.7 pp |
No brokers reported on this filing.
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 | 164,074 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,289 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 168,363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(20 contracts, 8 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 318,014 | $1.8B |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 318,014 | $1.6B |
| Vision | VISION SERVICE PLAN | 146,726 | $12.8M |
| Prescription drug(20 contracts, 8 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 318,014 | $1.8B |
| Other | UNITED HEALTHCARE INSURANCE COMPANY, OPTUM CARE 24 | 247,500 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318,014 | — |
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.
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.