| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $6K | $937 | $2K | +520.9% |
| Broker comp per covered life | $0 | $0 | $6 | -100.0% |
| Broker comp % of premium | 0.0% | 0.2% | 1.1% | -0.2 pp |
| Retention rate | 0.5% | 0.5% | 0.6% | 0.0 pp |
| Premium YoY % | 17.8% | 9.5% | 20.8% | +8.3 pp |
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 | 28,186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 181 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 28,367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 39,254 | $231.9M |
| Dental | DELTA DENTAL OF CALIFORNIA | 40,661 | $12.7M |
| Vision(4 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | 43,253 | $1.8M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 6,798 | $1.0M |
| Short-term disability(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 10,166 | $3.4M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,462 | $856K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 39,254 | $231.9M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 39,254 | $232.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 43,253 | — |
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.