| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $8K | $2K | $4K | +254.1% |
| Broker comp per covered life | $337 | $36 | $78 | +824.7% |
| Broker comp % of premium | 4.5% | 3.0% | 2.5% | +1.4 pp |
| Retention rate | 0.0% | 0.0% | 1.3% | |
| Premium YoY % | 65.5% | -5.1% | -3.7% | +70.6 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP CA INSURANCE SERVICES3 | — | AETNA LIFE INSURANCE CO. | $7.3M | — | $7.3M | 2.14% |
| NFP CA INSURANCE SERVICES, INC.3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2.1M | $129K | $2.3M | 11.89% |
| ALTERITY BROKER SOLUTIONS, INC.3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $928K | — | $928K | 4.87% |
| SBR SERVICES, LLC3 | 2839 PACES FERRY ROAD SE SUITE 830 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $179K | — | $179K | 0.94% |
| NFP CA INSURANCE SERVICES, INC.3 | — | KAISER FOUNDATION HEALTH PLAN INC. | $356K | — | $356K | 1.93% |
| NFP CA INSURANCE SERVICES INC.3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1.7M | $93K | $1.8M | 11.89% |
| ALTERITY BROKER SOLUTIONS, INC.3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $731K | — | $731K | 4.81% |
| SBR SERVICES, LLC3 | 2839 PACESS FERRY ROAD SE SUITE 830 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $150K | — | $150K | 0.99% |
| NFP CA INSURANCE SERVICES LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1.2M | $89K | $1.3M | 12.11% |
| ALTERITY BROKER SOLUTIONS, INC.3 | 8777 N. GAINEY CENTER DR. SUITE 260 SCOTTSDALE, AZ 85258 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $535K | — | $535K | 5.01% |
| SBR SERVICES, LLC3 | 2839 PACES FERRY ROAD SE SUITE 830 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $88K | — | $88K | 0.83% |
| NFP CA INSURANCE SERVICES, INC.3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1.2M | $89K | $1.3M | 12.11% |
| ALTERITY BROKER SOLUTIONS, INC.3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $535K | — | $535K | 5.01% |
| SBR SERVICES, LLC3 | 2839 PACES FERRY ROAD SE SUITE 830 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $88K | — | $88K | 0.83% |
| NFP CA INSURANCE SERVICES, INC.3 | — | KAISER FOUNDATION HEALTH PLAN INC. | $157K | — | $157K | 1.92% |
| NFP CA INSURANCE SERVICES INC.3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $568K | $39K | $608K | 12.20% |
| ALTERITY BROKER SOLUTIONS INC.3 | 8777 N. GAINEY CENTER DR. SUITE 260 SCOTTSDALE, AZ 85258 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $221K | — | $221K | 4.43% |
| SBR SERVICES, LLC3 | 2839 PACES FERRY ROAD RD. SE SUITE 830 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $65K | — | $65K | 1.30% |
| NFP CA INSURANCE SERVICES INC.3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $568K | $39K | $608K | 12.20% |
| ALTERITY BROKER SOLUTIONS, INC.3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $221K | — | $221K | 4.43% |
| SBR SERVICES, LLC3 | 2839 PACES FERRY ROAD SE SUITE 830 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $65K | — | $65K | 1.30% |
| NFP CA INSURANCE SERVICES3 | — | AETNA HEALTH, INC. | $36K | — | $36K | 2.09% |
| NFP CA INSURANCE SERVICES INC.3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24K | $4K | $27K | 1.75% |
| ALTERITY BROKER SOLUTIONS, INC.3 | 8777 N. GAINEY CENTER DR. SUITE 260 SCOTTSDALE, AZ 85258 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 0.41% |
| JOHN A. HOHMAN3 | 2300 CONTRA COSTA BLVD. SUITE 600 PLEASANT HILL, CA 94523 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $31K | — | $31K | 1.96% |
| NFP CA INSURANCE SERVICES INC.3 | — | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $19K | $6K | $26K | 2.84% |
| NFP CA INSURANCE SERVICES INC.3 | — | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $13K | — | $13K | 2.10% |
| NFP CA INSURANCE SERVICES, INC.3 | — | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | $11K | — | $11K | 2.06% |
| NFP CA INSURANCE SERVICES INC.3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $300 | $2K | 17.52% |
| ALTERITY BROKER SOLUTIONS INC.3 | 8777 N. GAINEY CENTER DR. SUITE 260 SCOTTSDALE, AZ 85258 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $597 | — | $597 | 5.00% |
| PACIFIC ADVISORS LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26 | — | $26 | 0.22% |
| RIPPLING INSURANCE SERVICES, INC.3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | — | $28K | — |
| ALTERITY BROKER SOLUTIONS, INC.3 | 8777 N. GAINEY CENTER DR. SUITE 260 SCOTTSDALE, AZ 85258 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | — |
| SBR SERVICES, LLC3 | 2839 PACES FERRY ROAD SE SUITE 830 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | — |
| RIPPLING INSURANCE SERVICES, INC.3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | — |
| ALTERITY BROKER SOLUTIONS, INC.3 | 8777 N. GAINEY CENTER DR. SUITE 260 SCOTTSDALE, AZ 85258 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | — |
| SBR SERVICES, LLC3 | 2839 PACES FERRY RD. SE SUITE 830 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | — |
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 | 41,563 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,488 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 43,051 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 7 carriers) | AETNA LIFE INSURANCE CO. | 58,406 | $371.9M |
| Dental(8 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 17,609 | $65.6M |
| Vision(8 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 17,609 | $65.6M |
| Life insurance(8 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 17,609 | $65.6M |
| Short-term disability(10 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 17,609 | $67.1M |
| Long-term disability(8 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 17,609 | $65.6M |
| Other(8 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 17,609 | $65.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 58,406 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.