| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $9K | $976 | $4K | +857.0% |
| Broker comp per covered life | $8 | $43 | $59 | -82.5% |
| Broker comp % of premium | 0.1% | 4.8% | 5.5% | -4.7 pp |
| Retention rate | 0.5% | 0.0% | 2.2% | |
| Premium YoY % | 4.4% | 2.7% | -12.1% | +1.7 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH & BENEFITS ADMIN, LLC3 | PO BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $193K | $31K | $223K | 11.42% |
| ALTC FUNDING LLC3 | 6201 PRESIDENTIAL CT FORT MYERS, FL 33919 | TRANSAMERICA LIFE INSURANCE COMPANY | $108K | — | $108K | 8.62% |
| SENIOR COMMISSION FUNDING LLC3 | 6201 PRESIDENTIAL CT FORT MYERS, FL 33919 | TRANSAMERICA LIFE INSURANCE COMPANY | $44K | — | $44K | 3.51% |
| MERCER HEALTH & BENEFITS ADMIN, LLC3 | PO BOX 850502 MINNEAPOLIS, MN 554850502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $259K | — | $259K | 34.26% |
| MERCER HEALTH & BENEFITS ADMIN, LLC3 | PO BOX 10414 MINNEAPOLIS, MN 554850502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 0.54% |
| MERCER HEALTH & BENEFITS ADMIN, LLC3 | PO BOX 310502 MINNEAPOLIS, MN 554850502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| MERCER HEALTH & BENEFITS3 | PO BOX 310550 DES MOINES, IA 50331 | METLIFE LEGAL PLANS | — | $66K | $66K | 8.76% |
| MERCER HEALTH AND BENEFITS3 | PO BOX 310502 DES MOINES, IA 50331 | METLIFE LEGAL PLANS | $64K | — | $64K | 8.53% |
| MERCER H&B ADMINISTRATION, LLC3 | PO BOX 310502 DES MOINES, IA 50331 | METLIFE LEGAL PLANS | — | $6K | $6K | 0.75% |
| MERCER H&B ADMINISTRATION3 | PO BOX 850502 MINNEAPOLIS, MN 55485 | METLIFE LEGAL PLANS | — | $3K | $3K | 0.42% |
| ALTC FUNDING LLC3 | 6201 PRESIDENTIAL CT FORT MYERS, FL 33919 | TRANSAMERICA LIFE INSURANCE COMPANY | $47K | — | $47K | 7.86% |
| SENIOR COMMISSION FUNDING LLC3 | 6201 PRESIDENTIAL CT FORT MYERS, FL 33919 | TRANSAMERICA LIFE INSURANCE COMPANY | $40K | — | $40K | 6.73% |
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 | 41,819 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,500 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 95,456 | $1.0B |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 114,947 | $38.6M |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 30,566 | $10.0M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 51,893 | $11.4M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 51,893 | $11.4M |
| Other(7 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 51,893 | $14.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114,947 | — |
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.