| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $5K | $1K | $2K | +300.5% |
| Broker comp per covered life | $0 | $0 | $17 | -100.0% |
| Broker comp % of premium | 0.0% | 0.0% | 1.3% | -0.0 pp |
| Retention rate | 0.7% | 0.7% | 3.0% | 0.0 pp |
| Premium YoY % | — | 18.8% | 18.8% |
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 | 24,791 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 187 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 24,996 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 37,738 | $194.7M |
| Dental | DELTA DENTAL OF CALIFORNIA | 41,730 | $12.3M |
| Vision | VISION SERVICE PLAN | 24,065 | $1.7M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,439 | $1.2M |
| Short-term disability(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 9,810 | $2.8M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,372 | $896K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 37,738 | $194.7M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 37,738 | $195.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 41,730 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.