| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $3K | $3K | $3K | -2.5% |
| Broker comp per covered life | $14 | $33 | $51 | -56.5% |
| Broker comp % of premium | 0.4% | 1.1% | 3.4% | -0.6 pp |
| Retention rate | 0.0% | 0.0% | 1.7% | |
| Premium YoY % | -4.6% | 0.8% | -12.3% | -5.4 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORRISSEY INSURANCE SERVICES3 | 11920 SOUTHERN HIGHLANDS PKWY SUITE 201 LAS VEGAS, NV 89141 | HEALTH PLAN OF NEVADA | $413K | $250K | $663K | 2.00% |
| WELLS FARGO3 | 150 N MICHIGAN AVE SUITE 3900 CHICAGO, IL 60601 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $149K | — | $149K | 1.25% |
| WELLS FARGO INSURANCE SVCS USA INC3 | PO BOX 203066 DALLAS, TX 753203066 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $100K | $100K | 0.84% |
| WELLS FARGO INS SERVICES USA INC3 | 1350 TREAT BLVD STE 550 WALNUT CREEK, CA 945977999 | METROPOLITAN LIFE INSURANCE COMPANY | $43K | $27 | $43K | 1.38% |
| WELLS FARGO INS SERVICES USA INC3 | 1018 W 9TH AVE KING OF PRUSSIA, PA 194061225 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $38K | $38K | 1.21% |
| WELLS FARGO INS. SERVICES USA INC3 | 1350 TREAT BLVD STE 550 WALNUT CREEK, CA 945977999 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $27 | $24K | 1.48% |
| WELLS FARGO INS. SERVICES USA INC3 | 1018 W 9TH AVE KING OF PRUSSIA, PA 194061225 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $21K | $21K | 1.29% |
| WELLS FARGO ADVISORS LLC3 | PO BOX 2700 WORCESTER, MA 016132700 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $27 | $23K | 3.01% |
| WELLS FARGO INS. SERVICES USA, INC.3 | 1350 TREAT BLVD STE 550 WALNUT CREEK, CA 945977999 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $27 | $3K | 0.43% |
| WELLS FARGO INS. SERVICES USA INC3 | 1018 W 9TH AVE KING OF PRUSSIA, PA 194061225 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.19% |
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 | 47,015 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 465 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,788 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 49,268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 3 carriers) | WESTERN HEALTH ADVANTAGE | 18,438 | $219.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,415 | $1.2M |
| Vision(2 contracts) | VISION SERVICE PLAN | 1,739 | $277K |
| Life insurance(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 74,712 | $5.7M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 46,601 | $11.9M |
| Prescription drug(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 7,907 | $74.9M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 74,712 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 74,712 | — |
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.