| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $10K | $976 | $4K | +898.2% |
| Broker comp per covered life | $12 | $43 | $59 | -72.8% |
| Broker comp % of premium | 0.1% | 4.8% | 5.5% | -4.6 pp |
| Retention rate | 0.7% | 0.0% | 2.2% | |
| Premium YoY % | 10.9% | 2.7% | -12.1% | +8.1 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH & BENEFITS ADMINISTRA3 | PO BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $613K | $97K | $710K | 11.42% |
| ALTC FUNDING LLC3 | 6201 PRESIDENTIAL CT FORT MYERS, FL 33919 | TRANSAMERICA LIFE INSURANCE COMPANY | $330K | — | $330K | 8.62% |
| SENIOR COMMISSION FUNDING LLC3 | 6201 PRESIDENTIAL CT FORT MYERS, FL 33919 | TRANSAMERICA LIFE INSURANCE COMPANY | $135K | — | $135K | 3.51% |
| MERCER HUMAN RESOURCE CONSULTING3 | PO BOX 310550 DES MOINES, IA 50331 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $28K | — | $28K | 1.08% |
| MERCER HEALTH AND BENEFITS3 | PO BOX 310502 DES MOINES, IA 503310502 | METLIFE LEGAL PLANS | $205K | — | $205K | 8.53% |
| MERCER H&B ADMINISTRATION, LLC3 | PO BOX 310502 DES MOINES, IA 50331 | METLIFE LEGAL PLANS | — | $18K | $18K | 0.75% |
| MERCER H&B ADMINISTRATION, LLC3 | PO BOX 850502 MINNEAPOLIS, MN 55485 | METLIFE LEGAL PLANS | — | $10K | $10K | 0.42% |
| MERCER HEALTH & BENEFITS ADMIN, LLC3 | PO BOX 850502 MINNEAPOLIS, MN 554850502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $799K | — | $799K | 34.26% |
| MERCER HEALTH & BENEFITS ADMIN, LLC3 | PO BOX 10414 MINNEAPOLIS, MN 554850502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 0.54% |
| MERCER HEALTH & BENEFITS ADMIN, LLC3 | PO BOX 310502 MINNEAPOLIS, MN 554850502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.00% |
| ALTC FUNDING LLC3 | 6201 PRESIDENTIAL CT FORT MYERS, FL 33919 | TRANSAMERICA LIFE INSURANCE COMPANY | $148K | — | $148K | 7.86% |
| SENIOR COMMISSION FUNDING LLC3 | 6201 PRESIDENTIAL CT FORT MYERS, FL 33919 | TRANSAMERICA LIFE INSURANCE COMPANY | $127K | — | $127K | 6.73% |
| MERCER HEALTH & BENEFITS ADMIN3 | PO BOX 850502 MINNEAPOLOIS, MN 554850502 | LEGAL RESOURCES HAWAII | $12K | — | $12K | 4.70% |
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 | 145,206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,065 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 621 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(31 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 82,350 | $1.9B |
| Dental(6 contracts, 5 carriers) | DELTA DENTAL OF CALIFORNIA | 216,439 | $82.5M |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 122,166 | $43.8M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 170,900 | $37.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 170,900 | $37.5M |
| Other(12 contracts, 7 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 170,900 | $50.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216,439 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.