| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $183K | $185K | 4.48% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $5K | $23K | 7.71% |
| PETER J MACE3 Filed as: PETER MACE | 6775 GLENRIDGE DRIVE SUITE 50, BUILDING E ATLANTA, GA 303285380 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 2.31% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $117 | $3K | 20.12% |
| PETER J MACE3 Filed as: PETER MACE | 6775 GLENRIDGE DRIVE SUITE 50, BUILDING E ATLANTA, GA 303285380 | METROPOLITAN LIFE INSURANCE COMPANY | — | $440 | $440 | 2.90% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE, 2 COOPER STREET P.O. BOX 99106 CAMDEN, NJ 08101 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $237 | $5K | 40.31% |
| PETER J MACE3 Filed as: PETER MACE | 6775 GLENRIDGE DRIVE SUITE 50, BUILDING E ATLANTA, GA 303285380 | METROPOLITAN LIFE INSURANCE COMPANY | — | $302 | $302 | 2.45% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $125 | $3K | 31.28% |
| PETER J MACE3 Filed as: PETER MACE | 6775 GLENRIDGE DRIVE SUITE 50, BUILDING E ATLANTA, GA 303285380 | METROPOLITAN LIFE INSURANCE COMPANY | — | $293 | $293 | 2.66% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | COUNTRYWIDE ENTERPRISES, INC. | $48 | — | $48 | 10.08% |
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 | 517 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 531 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 774 | $4.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 861 | $295K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 774 | $4.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 861 | $295K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 861 | $295K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 774 | $4.1M |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 861 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 861 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.