| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $1K | $575 | $953 | +83.9% |
| Broker comp per covered life | $12 | $10 | $21 | +15.5% |
| Broker comp % of premium | 1.1% | 2.2% | 4.4% | -1.1 pp |
| Retention rate | 0.0% | 0.0% | 0.6% | |
| Premium YoY % | 13.0% | -2.5% | -6.8% | +15.4 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MEISENBACH COMPANY3 | 1325 4TH AVE STE 2100 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $806K | $0 | $806K | 1.04% |
| THE MEISENBACH COMPANY3 | 1325 4TH AVE STE 2100 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $687K | — | $687K | 2.06% |
| MCM FINANCIAL SERVICES3 | PO BOX 427 ARNOLD, MO 63010 | AETNA LIFE INSURANCE CO. | $932 | $0 | $932 | 0.05% |
| THE MEISENBACH COMPANY3 | 1325 4TH AVE STE 2100 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $0 | $27K | 2.16% |
| THE MEISENBACH COMPANY3 | 1325 4TH AVE STE 2100 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $0 | $27K | 3.27% |
| THE MEISENBACH COMPANY3 | 1325 4TH AVE STE 2100 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $0 | $23K | 3.27% |
| THE MEISENBACH COMPANY3 | 1325 4TH AVE STE 2100 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 2.00% |
| THE MEISENBACH COMPANY3 | 1325 4TH AVE STE 2100 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 2.00% |
| MEISENBACH COMPANY3 | 1325 4TH AVE STE 2100 SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNICARE EIN 52-0913817 N/A | Plan Administrator Service code 14 | — | $6.0M |
| GRAND ROUNDS EIN 45-3580052 N/A | Plan Administrator Service code 14 | — | $2.5M |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 N/A | Plan Administrator Service code 14 | — | $817K |
| RETHINK EIN 26-1746074 N/A | Plan Administrator Service code 14 | — | $443K |
| HEALTHWAY QUITNET LLC EIN 62-1216689 N/A | Plan Administrator Service code 14 | — | $188K |
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 | 129,754 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 129,754 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 4,773 | $24.8M |
| Dental | TRIPLE S SALUD, INC. | 932 | $5.0M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130,910 | $33.3M |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131,461 | $79.6M |
| Long-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131,461 | $78.1M |
| Prescription drug | TRIPLE S SALUD, INC. | 932 | $5.0M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130,910 | $39.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131,461 | — |
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.