| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $7K | $693 | $2K | +876.8% |
| Broker comp per covered life | $56 | $54 | $52 | +5.2% |
| Broker comp % of premium | 0.8% | 4.4% | 6.3% | -3.5 pp |
| Retention rate | 0.0% | 0.0% | 0.0% | |
| Premium YoY % | -44.2% | -19.5% | -22.6% | -24.7 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC.3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | BLUE CROSS BLUE SHIELD OF TEXAS | $348K | $2K | $350K | 0.15% |
| US ONCOLOGY, INC.0 | 10101 WOODLOCH FOREST THE WOODLANDS, TX 77380 | BLUE CROSS BLUE SHIELD OF TEXAS | — | $5K | $5K | 0.00% |
| AON CONSULTING INC.3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $1.1M | $111 | $1.2M | 3.40% |
| AON CONSULTING INC.3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $495K | $495K | 1.47% |
| AON CONSULTING INC.3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $76K | $76K | 0.23% |
| AON CONSULTING INC.3 | PO BOX 1906 MORRISTOWN, NJ 07962 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $86K | — | $86K | 3.40% |
| AON CONSULTING INC.3 | 29840 NETWORK PL CHICAGO, IL 606731298 | VISION SERVICE PLAN | $88K | — | $88K | 3.96% |
| AON CONSULTING INC.3 | PO BOX 1906 MORRISTOWN, NJ 07962 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $59K | — | $59K | 4.00% |
| AON CONSULTING INC.3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $111 | $19K | 3.97% |
| AON CONSULTING INC.3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 0.98% |
| AON CONSULTING INC.3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.22% |
| AON CONSULTING INC.3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $111 | $5K | 4.25% |
| AON CONSULTING INC.3 | 29840 NETWORK PL. CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.75% |
| AON CONSULTING INC.3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $308 | $308 | 0.24% |
| BENEPLACE, LLC3 | 19495 BISCAYNE BLVD, SUITE 300 STE 300 C/O ACCOUNTS RECEIVABLE AVENTURA, FL 331082319 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $78 | $1K | 25.95% |
| AMERICAN BENEFITS & COMPENSATION3 | 101 PARK AVE, FL. 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | $767 | $111 | $878 | 22.34% |
| BENEPLACE, LLC3 | 19495 BISCAYNE BLVD, SUITE 300 STE 300 C/O ACCOUNTS RECEIVABLE AVENTURA, FL 331082319 | METROPOLITAN LIFE INSURANCE COMPANY | $290 | — | $290 | 7.38% |
| AMERICAN BENEFITS & COMPENSATION3 | 101 PARK AVE, FL. 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | $250 | $94 | $344 | 30.18% |
| BENEPLACE, LLC3 | 19495 BISCAYNE BLVD, SUITE 300 STE 300 C/O ACCOUNTS RECEIVABLE AVENTURA, FL 331082319 | METROPOLITAN LIFE INSURANCE COMPANY | $18 | — | $18 | 1.58% |
| AMERICAN BENEFITS & COMPENSATION3 | 101 PARK AVE, FL. 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | $29 | $73 | $102 | 40.32% |
| BENEPLACE, LLC3 | 19495 BISCAYNE BLVD, SUITE 300 STE 300 C/O ACCOUNTS RECEIVABLE AVENTURA, FL 331082319 | METROPOLITAN LIFE INSURANCE COMPANY | $28 | — | $28 | 11.07% |
| BENEPLACE, LLC3 | 19495 BISCAYNE BLVD, SUITE 300 STE 300 C/O ACCOUNTS RECEIVABLE AVENTURA, FL 331082319 | METROPOLITAN LIFE INSURANCE COMPANY | $8 | $10 | $18 | 14.63% |
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 | 17,431 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 130 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,561 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 28,498 | $244.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 41,576 | $33.8M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 9,168 | $2.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 41,576 | $33.8M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 41,576 | $33.9M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 41,576 | $33.8M |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 41,576 | $34.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 41,576 | — |
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.