| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $10K | $2K | $3K | +508.4% |
| Broker comp per covered life | $0 | $33 | $34 | -100.0% |
| Broker comp % of premium | 0.0% | 2.3% | 3.2% | -2.3 pp |
| Retention rate | 0.0% | 0.0% | 2.5% | |
| Premium YoY % | 1.7% | 5.4% | 15.8% | -3.7 pp |
No brokers reported on this filing.
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 | 46,056 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,594 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 238 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 48,888 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 75,507 | $791.1M |
| Dental | DELTA DENTAL OF CALIFORNIA | 87,410 | $36.0M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 27,180 | $5.9M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 56,577 | $99K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 56,577 | $10.4M |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 56,577 | $354K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 87,410 | — |
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.