| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $5K | $691 | $2K | +594.7% |
| Broker comp per covered life | $63 | $11 | $35 | +480.1% |
| Broker comp % of premium | 1.3% | 1.3% | 6.8% | 0.0 pp |
| Retention rate | 0.3% | 0.0% | 1.0% | |
| Premium YoY % | 14.6% | -12.3% | -21.8% | +26.9 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON INSURANCE AGENCY LLC3 | 39030 TREASURY CTR CHICAGO, IL 606949000 | UNITEDHEALTHCARE INSURANCE COMPANY | $2.6M | — | $2.6M | 1.28% |
| AON INSURANCE AGENCY LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | PREMERA BLUE CROSS | $2.0M | — | $2.0M | 1.20% |
| AON INSURANCE AGENCY LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $1.2M | — | $1.2M | 1.20% |
| HEWITT INSURANCE BROKERAGE3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | AETNA LIFE INSURANCE CO. | $1.1M | — | $1.1M | 1.30% |
| AON INSURANCE AGENCY LLC3 | 200 E RANDOLPH ST CHICAGO, IL 606016436 | KAISER FOUNDATION HEALTH PLAN, INC. | $547K | — | $547K | 1.11% |
| AON INSURANCE AGENCY LLC3 | 200 E RANDOLPH ST CHICAGO, IL 606016436 | KAISER FOUNDATION HEALTH PLAN, INC | $420K | — | $420K | 1.11% |
| AON INSURANCE AGENCY LLC3 | 4 OVERLOOK PARK LINCOLNSHIRE, IL 60069 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $210K | — | $210K | 1.07% |
| AON INSURANCE AGENCY LLC3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | UPMC HEALTH OPTIONS | $134K | — | $134K | 1.17% |
| HEWITT INS BROKERAGE LLC3 | 39030 TREASURY CTR CHICAGO, IL 606949000 | METROPOLITAN LIFE INSURANCE COMPANY | $357K | — | $357K | 3.13% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $134K | $134K | 1.32% |
| AON INSURANCE AGENCY LLC3 | 200 E RANDOLPH STREET CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $101K | — | $101K | 1.19% |
| AON INSURANCE AGENCY LLC - NJ3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | DELTA DENTAL OF WASHINGTON | $217K | — | $217K | 2.98% |
| AON INSURANCE AGENCY LLC3 | 200 E RANDOLPH STREET CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $85K | — | $85K | 1.19% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | — | $101K | $101K | 1.50% |
| AON INSURANCE AGENCY LLC - NJ3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | DELTA DENTAL OF WASHINGTON | $196K | — | $196K | 2.98% |
| AON INSURANCE AGENCY LLC3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | MEDICAL MUTUAL | $78K | $13 | $78K | 1.20% |
| AON INSURANCE AGENCY LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $190K | — | $190K | 2.97% |
| AON INSURANCE AGENCY LLC3 | 200 E RANDOLPH STREET CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $44K | — | $44K | 0.70% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | HAWAII MEDICAL SERVICE ASSOCIATION | — | $57K | $57K | 1.20% |
| AON INSURANCE AGENCY LLC3 | 200 E RANDOLPH STREET CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA,INC. | $54K | — | $54K | 1.19% |
| AON INSURANCE AGENCY LLC3 | ILLINOIS INS AGENCY LLC 39030 TREASURY CENTER CHICAGO, IL 606949000 | HEALTH NET | $43K | — | $43K | 1.20% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CTR CHICAGO, IL 606949000 | VISION SERVICE PLAN | $162K | — | $162K | 5.00% |
| AON INSURANCE AGENCY LLC - EXCHANGE3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | EYEMED VISION CARE | $72K | — | $72K | 4.96% |
| HEWITT INSURANCE BROKERAGE LLC3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | GEISINGER QUALITY OPTIONS, INC. | $17K | — | $17K | 1.20% |
| AON INSURANCE AGENCY LLC3 | 200 E RANDOLPH STREET CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN, INC. | $14K | — | $14K | 1.21% |
| JENNIFER BUCK3 | AON INSURANCE AGENCY LLC MSC# 17755 P.O. BOX 1447 LINCOLNSHIRE, IL 60069 | DEAN HEALTH PLAN INC | $11K | — | $11K | 1.32% |
| AON INSURANCE AGENCY LLC - NJ3 | 39030 TREASURY CENTER CHICAGO, IL 606949000 | DELTA DENTAL OF WASHINGTON | $17K | — | $17K | 3.01% |
| AON INSURANCE AGENCY LLC3 | 39030 TREASURY CTR CHICAGO, IL 606949000 | DENTEGRA INSURANCE COMPANY | $16K | — | $16K | 2.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2825 EASTLAKE AVENUE E SUITE 110 SEATTLE, WA 98102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | — | $17K | 4.26% |
| JENNIFER BUCK3 | AON INSURANCE AGENCY LLC MSC# 17755, P.O. BOX 1447 LINCOLNSHIRE, IL 60069 | PREVEA360 HEALTH PLAN | $5K | — | $5K | 1.33% |
| GALLAGHER BENEFIT SERVICES, INC3 | 2825 EASTLAKE AVENUE E SUITE 110 SEATTLE, WA 98102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | — | $17K | 14.00% |
| HEWITT INS BROKERAGE LLC3 | 39030 TREASURY CTR CHICAGO, IL 606949000 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $3K | — | $3K | 2.97% |
| HEWITT INS BROKERAGE LLC3 | 39030 TREASURY CTR CHICAGO, IL 606949000 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $476 | — | $476 | 3.01% |
| HEWITT INS BROKERAGE LLC3 | 39030 TREASURY CTR CHICAGO, IL 606949000 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $362 | — | $362 | 2.99% |
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 | 219,580 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 463 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 220,043 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(21 contracts, 18 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 18,821 | $720.1M |
| Dental(13 contracts, 10 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 21,626 | $321.3M |
| Vision(6 contracts, 5 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 21,626 | $222.0M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 161,531 | $6.7M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 29,641 | $10.2M |
| Prescription drug(20 contracts, 17 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 18,821 | $616.5M |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 9,821 | $6.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161,531 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.