| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $10K | $6K | $5K | +60.2% |
| Broker comp per covered life | $56 | $47 | $52 | +19.4% |
| Broker comp % of premium | 0.6% | 1.0% | 2.9% | -0.4 pp |
| Retention rate | 0.0% | 0.0% | 0.7% | |
| Premium YoY % | 7.4% | 4.7% | 58.4% | +2.7 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PARTNERS GROUP LTD.3 | 11740 SW 68TH PKWY. STE 200 PORTLAND, OR 97223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $893K | — | $893K | 4.00% |
| THE PARTNERS GROUP LTD.3 | 11740 SW 68TH PKWY. STE 200 PORTLAND, OR 97223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $460K | — | $460K | 3.87% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE, STE 100 PORTLAND, OR 97223 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $811K | $17 | $811K | 14.83% |
| THE PARTNERS GROUP LTD.3 | 11740 SW 68TH PKWY. STE 200 PORTLAND, OR 97223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $130K | — | $130K | 4.00% |
| MERCER HEALTH & BENEFITS ADMIN LLC3 | P.O. BOX 310502 DES MOINES, IA 503310502 | METROPOLITAN LIFE INSURANCE COMPANY | $767K | $109K | $876K | 33.86% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE, STE 100 PORTLAND, OR 97223 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $213K | -$31K | $182K | 12.73% |
| THE PARTNERS GROUP LTC3 | 11740 SW 68TH PARKWAY, #200 PORTLAND, OR 97223 | GENWORTH LIFE INSURANCE COMPANY | $85K | — | $85K | 7.63% |
| MASTERCARE SOLUTIONS INC3 | 10300SW GREENBURG ROAD, #380 PORTLAND, OR 97223 | GENWORTH LIFE INSURANCE COMPANY | $46K | — | $46K | 4.11% |
| SENIOR COMMISSION FUNDING LLC3 | 6201 PRESIDENTIAL CT FORT MYERS, FL 33919 | TRANSAMERICA LIFE INSURANCE COMPANY | $684K | — | $684K | 115.75% |
| ALTC FUNDING LLC3 | 6201 PRESIDENTIAL CT FORT MYERS, FL 33919 | TRANSAMERICA LIFE INSURANCE COMPANY | $79K | — | $79K | 13.38% |
| GERALDINE T. MILLE LTCP3 | 2621 PRESCOTT RD. #176 MODESTO, CA 953500234 | NEW YORK LIFE INSURANCE COMPANY | $11K | — | $11K | 1.91% |
| SENIOR COMMISSION FUNDING LLC3 | 6201 PRESIDENTIAL CT FORT MYERS, FL 33919 | TRANSAMERICA LIFE INSURANCE COMPANY | $302K | $302K | $605K | 125.67% |
| ALTC FUNDING LLC3 | 6201 PRESIDENTIAL CT FORT MYERS, FL 33919 | TRANSAMERICA LIFE INSURANCE COMPANY | $58K | $58K | $117K | 24.24% |
| THE PARTNERS GROUP LTD.3 | 11740 SW 68TH PKWY. STE 200 PORTLAND, OR 97223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 3.85% |
| THE PARTNERS GROUP LTD.3 | 11740 SW 68TH PKWY. STE 200 PORTLAND, OR 97223 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24 | — | $24 | 0.63% |
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 | 49,156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,413 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 331 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 53,900 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(15 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 89,274 | $784.4M |
| Dental(4 contracts, 3 carriers) | DELTA DENTAL OF CALIFORNIA | 24,553 | $14.9M |
| Life insurance(6 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 33,865 | $21.7M |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 63,549 | $3.3M |
| Long-term disability(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 63,549 | $40.9M |
| Other(8 contracts, 6 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 63,549 | $15.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 89,274 | — |
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.