| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $11K | $6K | $5K | +73.1% |
| Broker comp per covered life | $38 | $44 | $54 | -15.1% |
| Broker comp % of premium | 0.4% | 1.3% | 3.1% | -0.9 pp |
| Retention rate | 0.9% | 0.0% | 0.7% | |
| Premium YoY % | 7.1% | 4.6% | -3.2% | +2.5 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE SUITE 100 PORTLAND, OR 97223 | STANDARD INSURANCE COMPANY | $849K | — | $849K | 3.67% |
| SIERRA-CEDAR INC3 | 1255 ALDERMAN DR ALPHARETTA, GA 30005 | STANDARD INSURANCE COMPANY | — | $5K | $5K | 0.02% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE SUITE 100 PORTLAND, OH 97223 | STANDARD INSURANCE COMPANY | $460K | — | $460K | 3.65% |
| SIERRA-CEDAR INC3 | 1255 ALDERMAN DR ALPHARETTA, GA 30005 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 0.02% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE, STE 100 PORTLAND, OR 97223 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $861K | $41 | $861K | 14.35% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE SUITE 100 PORTLAND, OR 97223 | STANDARD INSURANCE COMPANY | $104K | — | $104K | 3.68% |
| SIERRA-CEDAR INC3 | 1255 ALDERMAN DR ALPHARETTA, GA 30005 | STANDARD INSURANCE COMPANY | — | $744 | $744 | 0.03% |
| MERCER HEALTH & BENEFITS ADMIN LLC3 | P.O. BOX 310502 DES MOINES, IA 503310502 | METROPOLITAN LIFE INSURANCE COMPANY | $258K | $39K | $296K | 11.27% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE, STE 100 PORTLAND, OR 97223 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $186K | — | $186K | 13.81% |
| THE PARTNERS GROUP LTC3 | 11740 SW 68TH PARKWAY, #200 PORTLAND, OR 97223 | GENWORTH LIFE INSURANCE COMPANY | $77K | — | $77K | 6.34% |
| MASTERCARE SOLUTIONS INC3 | 19085 PINEHURST ROAD BEND, OR 97703 | GENWORTH LIFE INSURANCE COMPANY | $43K | — | $43K | 3.53% |
| ALTC FUNDING LLC3 | 6201 PRESIDENTIAL CT FORT MYERS, FL 33919 | TRANSAMERICA LIFE INSURANCE COMPANY | $147K | — | $147K | 22.35% |
| SENIOR COMMISSION FUNDING LLC3 | 6201 PRESIDENTIAL CT FORT MYERS, FL 33919 | TRANSAMERICA LIFE INSURANCE COMPANY | $69K | — | $69K | 10.51% |
| SENIOR COMMISSION FUNDING LLC3 | 6201 PRESIDENTIAL CT FORT MYERS, FL 33919 | TRANSAMERICA LIFE INSURANCE COMPANY | $70K | — | $70K | 11.20% |
| ALTC FUNDING LLC3 | 6201 PRESIDENTIAL CT FORT MYERS, FL 33919 | TRANSAMERICA LIFE INSURANCE COMPANY | $55K | — | $55K | 8.77% |
| MERCER HEALTH AND BENEFITS3 | PO BOX 310502 DES MOINES, IA 503310502 | HYATT LEGAL PLANS | $41K | — | $41K | 8.41% |
| MARSH@WORK SOLUTIONS3 | PO BOX 14496 DES MOINES, IA 50306 | HYATT LEGAL PLANS | — | $41K | $41K | 8.40% |
| MERCER H&B ADMINISTRATION, LLC3 | PO BOX 310502 DES MOINES, IA 50331 | HYATT LEGAL PLANS | — | $7K | $7K | 1.45% |
| GERALDINE T. MILLE LTCP3 | 2621 PRESCOTT RD. #176 MODESTO, CA 953500234 | NEW YORK LIFE INSURANCE COMPANY | $10K | — | $10K | 3.25% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE STE 100 PORTLAND, OR 97223 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | — | $10K | 15.47% |
| DYE & ESKIN INC3 | 1324 VINCENT PL MCLEAN, VA 22101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $87 | $17 | $104 | 0.16% |
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 | 49,529 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,239 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 311 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 54,079 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(13 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 88,784 | $840.6M |
| Dental(4 contracts, 3 carriers) | DELTA DENTAL OF CALIFORNIA | 42,223 | $23.8M |
| Life insurance(4 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 38,266 | $22.4M |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 69,603 | $2.9M |
| Long-term disability(5 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 69,603 | $39.4M |
| Other(8 contracts, 6 carriers) | STANDARD INSURANCE COMPANY | 69,603 | $16.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 88,784 | — |
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.