| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $17K | $5K | $5K | +218.5% |
| Broker comp per covered life | $0 | $29 | $62 | -100.0% |
| Broker comp % of premium | 0.0% | 1.2% | 2.2% | -1.2 pp |
| Retention rate | 0.2% | 0.0% | 1.3% | |
| Premium YoY % | -16.7% | 6.8% | -2.4% | -23.5 pp |
No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TELUS HEALTH EIN 98-0361292 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $4.7M |
| STANDARD CRYPTO MANAGEMENT LP NONE | Investment management fees paid indirectly by plan; Investment management; Investment management fees paid directly by plan Service code 28 | 447 SUTTER ST STE 405 PMB1284 SAN FRANCISCO, CA 94108 | $1.2M |
| GREATPOINT INVESTMENT MANAGEMENT EIN 36-4790748 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $625K |
| STATE STREET BANK AND TRUST CO. EIN 04-1867445 NONE | Trustee (directed); Investment management fees paid directly by plan; Trustee (bank, trust company, or similar financial institution); Direct payment from the plan; Investment management Service code 21 | — | $150K |
| AON HEWITT INVEST. CONSULTING, INC. EIN 36-3109431 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $77K |
| SEYFARTH SHAW LLP NONE | Direct payment from the plan; Legal Service code 29 | 233 SOUTH WACKER DRIVE SUITE 8000 CHICAGO, IL 606066448 | $62K |
| BAKER TILLY US, LLP EIN 30-1413443 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $58K |
| BLACKROCK INSTITUTIONAL TRUST CO. EIN 94-3112180 NONE | Investment management; Direct payment from the plan; Other commissions; Trustee (discretionary); Investment management fees paid indirectly by plan; Trustee (bank, trust company, or similar financial institution); Investment management fees paid directly by plan Service code 21 | — | $48K |
| CARDINAL INVESTMENT ADVISORS, LLC EIN 36-4464580 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $22K |
| PRICEWATERHOUSECOOPERS LLP EIN 13-4008324 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $10K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27,412 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5,259 | 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)(53 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 16,837 | $397.9M |
| Dental | DELTA DENTAL OF CALIFORNIA | 5,872 | $2.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 23,935 | $3.2M |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 21 | $713K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,935 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.