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Step 3 · Benchmark report

541611 — Administrative Management and General Management Consulting Services

Management consulting firm advising healthcare and hospitality operators on operations and margin improvement. Forty-five staff across two Florida offices, handling client financial data and personnel records.

Revenue band
$5M - $25M
Employees
45
State
FL
Peer cohort
146 policieswidened

This cohort was widened to reach minimum size

NAICS 541611 / $5M - $25M / FL matched 5 peer policies, below the 40-policy minimum for a stable benchmark. Widened to all states and the Professional, Scientific, and Technical Services sector. That gives 146 peer policies.

Overall posture

Below peers

62nd percentile on total premium

Peer-expected lines covered

3 of 5

Counting a packaged form as covering its parts

Total annual premium

$109,800

Peer median $96,395 (+$13K)

Gaps

1 critical

3 material, 7 advisory

Findings

11 gaps against the peer cohort

Ranked by severity. Each one names the peer statistic it rests on, so the recommendation can be argued with.

1 critical · 3 material · 7 advisory

  1. Critical

    No employment practices liability in place

    Employment Practices Liability

    The program has no Employment Practices Liability cover.

    Recommendation

    Quote Employment Practices Liability at the cohort's median limit and price it into the renewal. Going without it puts this account well outside how its peers are built.

    Peer evidence

    73% of the 146 peers in this cohort carry Employment Practices Liability.

  2. Material

    Commercial Property retention high for the value insured

    Commercial Property

    The Commercial Property deductible is $25,000 against $2,500,000 of insured value - 1.00% - where peers retain 0.50%.

    Recommendation

    Ask the carrier to quote the peer-median retention alongside the current one. A retention this far above the market is often a leftover from a hard-market renewal that nobody went back to.

    Peer evidence

    Across the 146-policy cohort the median Commercial Property deductible is 0.50% of the value insured; yours is 1.00%.

  3. Material

    No cyber & privacy liability in place

    Cyber & Privacy Liability

    The program has no Cyber & Privacy Liability cover.

    Recommendation

    Put Cyber & Privacy Liability on the renewal agenda. Enough comparable accounts buy it that the decision should be a documented one rather than an omission.

    Peer evidence

    60% of the 146 peers in this cohort carry Cyber & Privacy Liability.

  4. Material

    Professional Liability (E&O) deductible well above peer median

    Professional Liability (E&O)

    The Professional Liability (E&O) deductible is $25,000 against a peer median of $10,000.

    Recommendation

    Ask the carrier to quote the peer-median retention alongside the current one. A retention this far above the market is often a leftover from a hard-market renewal that nobody went back to.

    Peer evidence

    Peer median Professional Liability (E&O) deductible in this 146-policy cohort is $10,000.

  5. Advisory

    Commercial Auto limit below the peer median

    Commercial Auto

    The program carries $1,000,000 of Commercial Auto, at the 33rd percentile of peers who carry the line.

    Recommendation

    Worth an option at $2,000,000 on the renewal so the client can price the difference themselves.

    Peer evidence

    Peer median Commercial Auto limit in this cohort is $2,000,000.

  6. Advisory

    Commercial Property limit below the peer median

    Commercial Property

    The program carries $2,500,000 of Commercial Property, at the 22nd percentile of peers who carry the line.

    Recommendation

    Worth an option at $5,000,000 on the renewal so the client can price the difference themselves.

    Peer evidence

    Peer median Commercial Property limit in this cohort is $5,000,000.

  7. Advisory

    No crime / fidelity in place

    Crime / Fidelity

    The program has no Crime / Fidelity cover.

    Recommendation

    Put Crime / Fidelity on the renewal agenda. Enough comparable accounts buy it that the decision should be a documented one rather than an omission.

    Peer evidence

    32% of the 146 peers in this cohort carry Crime / Fidelity.

  8. Advisory

    No directors & officers in place

    Directors & Officers

    The program has no Directors & Officers cover.

    Recommendation

    Put Directors & Officers on the renewal agenda. Enough comparable accounts buy it that the decision should be a documented one rather than an omission.

    Peer evidence

    29% of the 146 peers in this cohort carry Directors & Officers.

  9. Advisory

    General Liability limit below the peer median

    General Liability

    The program carries $1,000,000 of General Liability, at the 29th percentile of peers who carry the line.

    Recommendation

    Worth an option at $2,000,000 on the renewal so the client can price the difference themselves.

    Peer evidence

    Peer median General Liability limit in this cohort is $2,000,000.

  10. Advisory

    No inland marine in place

    Inland Marine

    The program has no Inland Marine cover.

    Recommendation

    Put Inland Marine on the renewal agenda. Enough comparable accounts buy it that the decision should be a documented one rather than an omission.

    Peer evidence

    29% of the 146 peers in this cohort carry Inland Marine.

  11. Advisory

    Umbrella / Excess Liability limit below the peer median

    Umbrella / Excess Liability

    The program carries $5,000,000 of Umbrella / Excess Liability, at the 30th percentile of peers who carry the line.

    Recommendation

    Worth an option at $10,000,000 on the renewal so the client can price the difference themselves.

    Peer evidence

    Peer median Umbrella / Excess Liability limit in this cohort is $10,000,000.

Current versus proposed

This program rebuilt at peer-median limits

Every figure below is repriced from the same peer cohort the benchmark used. The comparison runs in both directions: a program carrying too little cover reprices upward, and that is the correct answer.

Modelled figures, not carrier quotes

Modelled by repricing this program at peer-median limits using peer-median premiums from the same cohort. These are modelled figures from a synthetic corpus, not carrier quotes. Nothing here has been submitted to a market.

Current program

$109,800

6 of 8 lines · $12.5M in limits

1 critical, 3 material

Total annual premium as placed today

Proposed structure

$138,870

8 of 8 lines · $25M in limits

No critical or material gaps remaining

Closes 4 of 4 at peer-median limits

Annual difference

+$29,070

+$12.5M in limits · 2 more lines

26.5% more than the current program

+$29,070 buys $12.5M more cover across 2 more lines and closes 4 of 4 gaps.

Total limits add up each line’s own limit. Coverage lines do not stack in a claim, so this is not one tower of cover.

Each coverage line with the change proposed, its current and proposed limit, its current and proposed annual premium, the difference, and the peer statistic the change rests on.
Coverage lineChangeLimitcurrent to proposedAnnual premiumcurrent to proposedDifference
General LiabilityRaise limit$1M$2M$11,600$11,300−$300(3%)

Peers in this 146-policy cohort carry $2,000,000 of General Liability at a median premium of $11,300; this program carries $1,000,000 at $11,600.

Commercial PropertyRaise limit$2.5M$5M$26,900$26,065−$835(3%)

Peers in this 146-policy cohort carry a median Commercial Property limit of $5,000,000 at $26,065 while retaining $12,500; this program carries $2,500,000 at $26,900 on a $25,000 retention.

Retention $25,000 to $12,500

Workers CompensationUnchanged$1M$1M$32,400$32,400$0

This program's $1,000,000 of Workers Compensation is at or above the peer median of $1,000,000, at the 38th percentile of peers who carry it, so it is left as written.

Commercial AutoRaise limit$1M$2M$7,900$10,890+$2,990(38%)

Peers in this 146-policy cohort carry $2,000,000 of Commercial Auto at a median premium of $10,890; this program carries $1,000,000 at $7,900.

Umbrella / Excess LiabilityRaise limit$5M$10M$9,300$10,860+$1,560(17%)

Peers in this 146-policy cohort carry $10,000,000 of Umbrella / Excess Liability at a median premium of $10,860; this program carries $5,000,000 at $9,300.

Cyber & Privacy LiabilityAdd line—$2M—$14,140+$14,140

60% of the 146 peers in this cohort carry Cyber & Privacy Liability at a median limit of $2,000,000 for a median premium of $14,140; this program carries none.

Professional Liability (E&O)Lower retention$2M$2M$21,700$25,365+$3,665(17%)

Peers in this 146-policy cohort retain a median $10,000 on Professional Liability (E&O) and pay $25,365 at this program's $2,000,000 limit; this program retains $25,000 and pays $21,700.

Retention $25,000 to $10,000

Employment Practices LiabilityAdd line—$1M—$7,850+$7,850

73% of the 146 peers in this cohort carry Employment Practices Liability at a median limit of $1,000,000 for a median premium of $7,850; this program carries none.

A difference in parentheses is that line as a share of its own current premium. Lines added to the program have no current premium, so they show a dollar figure only.

Every line

Line by line against the cohort

Select a row to see the full peer distribution for that line.

Coverage lines with peer adoption, this account’s limit and premium, and its position in the peer distribution.
Coverage linePeers carryOn programYour limitPeer medianPositionYour premium
92%Yes$1M$2M
$1M, 29th percentile. Peers: $500K to $5M, median $2M.29th
$11,600
45%Yes$2.5M$5M
$2.5M, 22nd percentile. Peers: $2.5M to $10M, median $5M.22nd
$26,900
5%No—$1M
Not carried. Peers: $800K to $2M, median $1M.
—
95%Yes$1M$1M
$1M, 38th percentile. Peers: $1M to $2M, median $1M.38th
$32,400
29%Yes$1M$2M
$1M, 33rd percentile. Peers: $500K to $5M, median $2M.33rd
$7,900
30%Yes$5M$10M
$5M, 30th percentile. Peers: $2M to $25M, median $10M.30th
$9,300
60%No—$2M
Not carried. Peers: $1M to $5M, median $2M.
—
77%Yes$2M$2M
$2M, 49th percentile. Peers: $1M to $5M, median $2M.49th
$21,700
29%No—$2M
Not carried. Peers: $1M to $5M, median $2M.
—
73%No—$1M
Not carried. Peers: $500K to $2M, median $1M.
—
32%No—$500K
Not carried. Peers: $250K to $500K, median $500K.
—
29%No—$250K
Not carried. Peers: $100K to $500K, median $250K.
—

Position shows the p10-p90 peer band with the interquartile range solid and this account’s limit as the dark rule. A percentage in red is a line most peers carry and this account does not.

Position detail

Commercial Property

Buildings, contents, and business personal property against covered perils.

Below peers

Limit against peers

Median $5M
p10 $2.5Mp90 $10M
This account$2.5M22nd percentile of peers

Premium against peers

Median $26K
p10 $11Kp90 $68K
This account$27K51st percentile of peers
Peers carrying
45%
Your deductible
$25,000
Peer median deductible
$25,000
Your premium
$26,900

Adoption

What peers buy, and what this program has

Sorted by peer adoption. A tall hollow bar is a line most of the cohort carries and this account does not.

Carried by this accountNot carried2 lines carried by a majority of peers are not covered by this program.

Data provenance

Peer figures come from a synthetic corpus of 11,000 modelled policies. They are not market data: no carrier, filing, bordereau or real policy is represented here. The corpus is generated by a documented model (seed 20260826) that varies adoption, limits, premiums and deductibles by NAICS sector, revenue band and state, weighted toward Florida and the South Atlantic. It is built to be internally coherent and byte-for-byte reproducible so the analysis behaves the way it would on real data - but every peer statistic on this page is modelled. Replace this corpus with bordereau or rating-bureau data before quoting any figure to a client.

Corpus peer-corpus-2026.08-r1 · 11,000 generated policies · seed 20260826 · cohort 54 / $5M - $25M · n=146 · generated 2026-09-08