| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $7K | $5K | $4K | +43.4% |
| Broker comp per covered life | $30 | $44 | $45 | -31.7% |
| Broker comp % of premium | 0.4% | 1.1% | 2.9% | -0.6 pp |
| Retention rate | 0.9% | 0.0% | 1.7% | |
| Premium YoY % | -7.7% | -3.7% | 219.7% | -4.0 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 | $407K | — | $407K | 1.25% |
| MORRISSEY INSURANCE SERVICES3 | 11920 SOUTHERN HIGHLANDS PKWAY SUITE 201 LAS VEGAS, NV 89141 | HEALTH PLAN OF NEVADA | — | $244K | $244K | 0.75% |
| MARSHA & MCLENNAN AGENCY 23003 | RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $365K | $365K | 2.37% |
| VISION SERVICE PLAN5 | 3333 QUALITY DRIVE RANCHO CORDOVA, CA 956707985 | VISION SERVICE PLAN | — | $477K | $477K | 6.49% |
| MARSH USA INC DBA TRION GROUP, MMC3 | COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $385K | $385K | 9.54% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $10K | $10K | 0.26% |
| MMA SECURITIES LLC3 | P.O. BOX 9497 NEW YORK, NY 100874496 | METROPOLITAN LIFE INSURANCE COMPANY | $47K | — | $47K | 3.52% |
| VISION SERVICE PLAN5 | 3333 QUALITY DRIVE RANCHO CORDOVA, CA 956707985 | VISION SERVICE PLAN | — | $21K | $21K | 12.00% |
| VISION SERVICE PLAN3 | — | VISION SERVICE PLAN | — | $5K | $5K | 12.00% |
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 | 55,118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 629 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14,404 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 70,151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 4 carriers) | ANTHEM BLUE CROSS | 18,199 | $433.5M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,789 | $2.4M |
| Vision(3 contracts) | VISION SERVICE PLAN | 46,902 | $7.6M |
| Life insurance(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 65,926 | $17.4M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 53,357 | $15.4M |
| Prescription drug(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 8,546 | $92.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 65,926 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.