| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $4K | $2K | $2K | +94.6% |
| Broker comp per covered life | $105 | $33 | $47 | +222.9% |
| Broker comp % of premium | 2.5% | 2.3% | 2.6% | +0.2 pp |
| Retention rate | 0.0% | 0.0% | 0.8% | |
| Premium YoY % | -24.6% | -9.2% | -4.5% | -15.4 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH & BENEFITS3 | 155 N WACKER DR SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC. | $1.1M | — | $1.1M | 0.50% |
| MERCER HEALTH & BENEFITS3 | 155 N WACKER DR SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC. | $115K | — | $115K | 0.50% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON ST., STE. 17100 BOSTON, MA 02108 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $707K | — | $707K | 3.75% |
| PACIFIC RESOURCES BENEFITS ADVISORS3 | 1 BEACON ST., STE. 17100 BOSTON, MA 02108 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $327K | — | $327K | 1.73% |
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $305K | — | $305K | 1.62% |
| TENCODE BENEFITS LLC3 | 2591 DALLAS PARKWAY SUITE 203 FRISCO, TX 75034 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $300K | $300K | 1.59% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $16K | $16K | 0.09% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD. WEST DES MOINES, IA 50265 | AETNA LIFE INSURANCE COMPANY | $2.7M | — | $2.7M | 20.82% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON ST., STE. 17100 BOSTON, MA 02108 | AETNA LIFE INSURANCE COMPANY | $328K | — | $328K | 2.51% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | PO BOX 746600 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $619K | $106K | $724K | 5.72% |
| MERCER HEALTH & BENEFITS3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $190K | — | $190K | 1.50% |
| PACIFIC RESOURCES BENEFITS ADVISORS3 | PO BOX 746600 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $145K | — | $145K | 1.15% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD. SUITE 101 WEST DES MOINES, IA 50265 | ARAG INSURANCE COMPANY | $191K | — | $191K | 5.23% |
| BUSINESSOLVER.COM INC5 | PO BOX 310411 DES MOINES, IA 50331 | ARAG INSURANCE COMPANY | — | $182K | $182K | 5.00% |
| STRATEGIC NON-MEDICAL SOLUTIONS3 | 1 BEACON ST., STE. 17100 BOSTON, MA 02108 | ARAG INSURANCE COMPANY | $182K | — | $182K | 5.00% |
| GALLAGHER BENEFIT SERVICES INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $27K | — | $27K | 5.66% |
| AON CONSULTING INC.3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | — | $12K | 2.46% |
| MARSH SALDANA INC3 | CITY VW PLZ TONE, STE 700 GUAYNABO, PR 00968 | TRIPLE S SALUD, INC. | $12K | — | $12K | 5.00% |
| MERCER HEALTH & BENEFITS3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN INC. | $6K | $1 | $6K | 4.29% |
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 | 71,221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,886 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 73,107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 30,244 | $246.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 16 | $475K |
| Vision | VISION SERVICE PLAN | 59,493 | $9.9M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 70,586 | $18.9M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 72,072 | $12.7M |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 173 | $888K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 63,754 | $17.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 72,072 | — |
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.