| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $7K | $425 | $1K | +1547.7% |
| Broker comp per covered life | $0 | $6 | $8 | -94.7% |
| Broker comp % of premium | 0.0% | 1.6% | 3.2% | -1.6 pp |
| Retention rate | 1.1% | 0.1% | 3.1% | +1.0 pp |
| Premium YoY % | 8.1% | -10.7% | -20.1% | +18.8 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON RISK SERVICES CENTRAL INC.3 | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $21K | $21K | 0.26% |
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 | 69,794 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 255 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 70,049 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | 56,818 | $428.9M |
| Dental | DELTA DENTAL OF CALIFORNIA | 66,099 | $18.4M |
| Vision(5 contracts, 2 carriers) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 65,595 | $2.5M |
| Life insurance | STANDARD INSURANCE COMPANY | 22,288 | $4.6M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 38,466 | $8.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 38,466 | $8.2M |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | 56,818 | $428.9M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 66,164 | $5.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 66,164 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.