| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $3K | $2K | $3K | +53.2% |
| Broker comp per covered life | $27 | $43 | $67 | -36.7% |
| Broker comp % of premium | 1.0% | 4.0% | 4.3% | -3.0 pp |
| Retention rate | 0.0% | 0.0% | 2.6% | |
| Premium YoY % | -26.0% | -1.5% | 8269.6% | -24.5 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRION GROUP A MARSH AND MCLENNAN3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | SECURIAN LIFE INSURANCE COMPANY | — | $696K | $696K | 0.62% |
| MARSH AND MCLENNAN AGENCY, LLC.3 | 755 WEST BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | SECURIAN LIFE INSURANCE COMPANY | $524K | $0 | $524K | 0.47% |
| MERCER HEALTH AND BENEFITS, LLC.3 | 155 NORTH WACKER DRIVE, SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $1.3M | $0 | $1.3M | 1.48% |
| MARSH USA, LLC.3 | PO BOX 412703 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $426K | $426K | 0.59% |
| MERCER HEALTH AND BENEFITS, LLC.3 | 155 NORTH WACKER DRIVE, SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $116K | $0 | $116K | 1.37% |
| MERCER HEALTH AND BENEFITS, LLC.3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN INC | $1K | $0 | $1K | 0.01% |
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 | 114,661 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,908 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116,569 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 11,703 | $109.0M |
| Dental(3 contracts) | AETNA LIFE INSURANCE COMPANY | 561 | $7.1M |
| Vision(3 contracts) | AETNA LIFE INSURANCE COMPANY | 561 | $7.1M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 110,503 | $111.8M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 110,341 | $72.1M |
| Prescription drug(5 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 11,703 | $102.0M |
| Other(3 contracts, 3 carriers) | SECURIAN LIFE INSURANCE COMPANY | 114,661 | $121.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114,661 | — |
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."
No prospect flags tripped on this filing.