| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $7K | $4K | $4K | +69.3% |
| Broker comp per covered life | $30 | $33 | $42 | -8.6% |
| Broker comp % of premium | 0.4% | 1.2% | 1.9% | -0.8 pp |
| Retention rate | 0.9% | 0.0% | 1.9% | |
| Premium YoY % | -5.3% | -4.6% | -10.3% | -0.7 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 | $462K | — | $462K | 1.24% |
| MORRISSEY INSURANCE SERVICES3 | 11920 SOUTHERN HIGHLANDS PKWAY SUITE 201 LAS VEGAS, NV 89141 | HEALTH PLAN OF NEVADA | — | $277K | $277K | 0.74% |
| MARSHA & MCLENNAN AGENCY3 | P.O. BOX 350 CONSHOHOCKEN, PA 19428 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $333K | $333K | 1.61% |
| VISION SERVICE PLAN5 | 3333 QUALITY DRIVE RANCHO CORDOVA, CA 956707985 | VISION SERVICE PLAN | — | $494K | $494K | 6.33% |
| MARSH USA INC3 | — | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $332K | $332K | 7.80% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $11K | $11K | 0.25% |
| MMA SECURITIES LLC3 | P.O. BOX 9497 NEW YORK, NY 100874496 | METROPOLITAN LIFE INSURANCE COMPANY | $40K | — | $40K | 3.20% |
| 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 | 55,779 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 443 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2,657 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 58,879 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 4 carriers) | ANTHEM BLUE CROSS | 17,817 | $436.5M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,901 | $2.5M |
| Vision(3 contracts) | VISION SERVICE PLAN | 48,711 | $8.0M |
| Life insurance(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 65,684 | $18.0M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 54,327 | $20.7M |
| Prescription drug(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 8,438 | $97.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 65,684 | — |
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.