| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $5K | $1K | $3K | +320.7% |
| Broker comp per covered life | $19 | $19 | $37 | 0.0% |
| Broker comp % of premium | 0.4% | 2.0% | 3.4% | -1.6 pp |
| Retention rate | 0.0% | 0.0% | 1.2% | |
| Premium YoY % | -17.0% | -3.3% | -1.1% | -13.7 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 | $321K | $193K | $514K | 2.00% |
| WELLS FARGO3 | 150 N MICHIGAN AVE SUITE 3900 CHICAGO, IL 60601 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $231K | — | $231K | 1.49% |
| WELLS FARGO INS SVCS USA INC3 | PO BOX 601478 CHARLOTTE, NC 282601478 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $202K | — | $202K | 5.18% |
| USI INSURANCE SERVICES NATIONAL INC3 | 1350 TREAT BLVD SUITE 550 WALNUT CREEK, CA 94597 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $162K | — | $162K | 4.17% |
| USI INSURANCE SERVICES LLC WEST3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $52K | — | $52K | 1.35% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $18K | $18K | 0.46% |
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 | 50,306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,360 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 51,666 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 3 carriers) | WESTERN HEALTH ADVANTAGE | 18,734 | $282.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,563 | $1.2M |
| Vision(3 contracts) | VISION SERVICE PLAN | 44,753 | $8.1M |
| Life insurance(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 61,682 | $15.3M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 49,825 | $15.4M |
| Prescription drug(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 8,761 | $117.4M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS OF CALIFORNIA | 46,135 | $76K |
| Other | BLUE CROSS OF CALIFORNIA | 46,135 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 61,682 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.