| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $12K | $1K | $4K | +912.3% |
| Broker comp per covered life | $44 | $37 | $47 | +18.5% |
| Broker comp % of premium | 0.4% | 2.8% | 4.4% | -2.4 pp |
| Retention rate | 1.1% | 0.0% | 2.3% | |
| Premium YoY % | 52.3% | -3.9% | -15.0% | +56.3 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 | $1.0M | — | $1.0M | 3.97% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE SUITE 100 PORTLAND, OR 97223 | STANDARD INSURANCE COMPANY | $551K | — | $551K | 3.91% |
| THE PARTNERS GROUP3 | STE 100 11850 SW 67TH AVE PORTLAND, OR 97223 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $865K | $41 | $865K | 13.28% |
| MERCER HEALTH & BENEFITS ADMINISTRA3 | PO BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $297K | $52K | $349K | 13.05% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE SUITE 100 PORTLAND, OR 97223 | STANDARD INSURANCE COMPANY | $102K | — | $102K | 3.99% |
| THE PARTNERS GROUP3 | STE 100 11850 SW 67TH AVE PORTLAND, OR 97223 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $163K | — | $163K | 11.84% |
| THE PARTNERS GROUP LTD3 | 11850 SW 6TH AVE, STE 100 PORTLAND, OR 97223 | TRANSAMERICA LIFE INSURANCE COMPANY | $192K | — | $192K | 17.79% |
| MASTERCARE AMERICA INC3 | 10260 SW GREENBURG RD, STE 400 PORTLAND, OR 97223 | TRANSAMERICA LIFE INSURANCE COMPANY | $178K | — | $178K | 16.54% |
| NATHAN SANOW3 | 13208 NW 33RD AVE VACOUVER, WA 98685 | TRANSAMERICA LIFE INSURANCE COMPANY | $137K | — | $137K | 12.69% |
| PACIFIC RESOURCE BENEFITS ADVISORS3 | 75 STATE ST STE 1710 BOSTON, MA 02109 | TRANSAMERICA LIFE INSURANCE COMPANY | $42K | — | $42K | 3.87% |
| BRIAN HARRIS3 | 1130 PELICAN PL SAFETY HARBOR, FL 34695 | TRANSAMERICA LIFE INSURANCE COMPANY | $12K | — | $12K | 1.09% |
| WILLIAM R WETMORE3 | 392 HERITAGE DR GETTYSBURG, PA 17325 | TRANSAMERICA LIFE INSURANCE COMPANY | $8K | — | $8K | 0.72% |
| RICHARD HOROWITZ LLC3 | 5445 CARTAGENA DR SARASOTA, FL 34233 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 0.58% |
| SARAE L KASAI3 | 607 E KENNEDY CARLTON, OR 97111 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 0.54% |
| DANIEL PAYNE3 | 14720 SW VILLAGE LN BEAVERTON, OR 97007 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 0.44% |
| JONATHAN DURR3 | 1600 SANTAVY ST #3313 BAYTON, TX 77521 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 0.42% |
| JEFFREY REINDL3 | 118 NORTH ST NEPTUNE BEACH, FL 32266 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 0.42% |
| DIANE STODDART3 | 5471 W WATERS AVE, STE 300 TAMPA, FL 33634 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 0.14% |
| JEFFREY STAUDT3 | 4077 66TH AVE SW OLYMPIA, WA 98512 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 0.13% |
| SIMPLY BENEFITS LLC3 | PO BOX 647 PROSSER, WA 99350 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 0.11% |
| FUTURECARE SOLUTIONS OF TX3 | 194 CLASSEN DR DALLAS, TX 75218 | TRANSAMERICA LIFE INSURANCE COMPANY | $891 | — | $891 | 0.08% |
| LTCPG LLC3 | PO BOX 850 KAYSVILLE, UT 84037 | TRANSAMERICA LIFE INSURANCE COMPANY | $180 | — | $180 | 0.02% |
| THE PARTNERS GROUP LTC3 | 11850 SW 67TH AVE. #100 PORTLAND, OR 97223 | GENWORTH LIFE INSURANCE COMPANY | $70K | — | $70K | 6.46% |
| MASTERCARE SOLUTIONS INC3 | 19085 PINEHURST ROAD BEND, OR 97703 | GENWORTH LIFE INSURANCE COMPANY | $37K | — | $37K | 3.48% |
| SENIOR COMMISSION FUNDING LLC3 | 6201 PRESIDENTIAL CT FORT MYERS, FL 33919 | TRANSAMERICA LIFE INSURANCE COMPANY | $66K | — | $66K | 9.13% |
| ALTC FUNDING LLC3 | 6201 PRESIDENTIAL CT FORT MYERS, FL 33919 | TRANSAMERICA LIFE INSURANCE COMPANY | $39K | — | $39K | 5.42% |
| MERCERVB3 | PO BOX 310550 DES MOINES, IA 503310550 | METLIFE LEGAL PLANS | — | $60K | $60K | 8.73% |
| MERCER HEALTH AND BENEFITS3 | PO BOX 310502 DES MOINES, IA 503310502 | METLIFE LEGAL PLANS | $58K | — | $58K | 8.51% |
| MERCER HEALTH & BENEFITS3 | PO BOX 310550 DES MOINES, IA 50331 | METLIFE LEGAL PLANS | — | $33K | $33K | 4.84% |
| MERCER H&B ADMINISTRATION, LLC3 | PO BOX 310502 DES MOINES, IA 50331 | METLIFE LEGAL PLANS | — | $12K | $12K | 1.77% |
| ALTC FUNDING LLC3 | 6201 PRESIDENTIAL CT FORT MYERS, FL 33919 | TRANSAMERICA LIFE INSURANCE COMPANY | $41K | — | $41K | 10.71% |
| SENIOR COMMISSION FUNDING LLC3 | 6201 PRESIDENTIAL CT FORT MYERS, FL 33919 | TRANSAMERICA LIFE INSURANCE COMPANY | $25K | — | $25K | 6.54% |
| GERALDINE T MILLE LTCP3 | 2621 PRESCOTT RD - #176 MODESTO, CA 953500234 | NEW YORK LIFE INSURANCE COMPANY | $9K | — | $9K | 3.28% |
| THE PARTNERS GROUP3 | STE 100 11850 SW 67TH AVE PORTLAND, OR 97223 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 14.78% |
| DYE & ESKIN INC3 | 1324 VINCENT PL MCLEAN, VA 22101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $79 | $11 | $90 | 0.15% |
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 | 46,104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,666 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 108 | 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)(14 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 92,933 | $971.5M |
| Dental(4 contracts, 3 carriers) | DELTA DENTAL OF CALIFORNIA | 44,575 | $22.5M |
| Life insurance(4 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 38,718 | $25.9M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 71,211 | $17.6M |
| Long-term disability(5 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 71,211 | $48.1M |
| Other(11 contracts, 8 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 71,211 | $33.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 92,933 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.