| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETER J MACE3 Filed as: PETER MACE | 5775 GLENRIDGE DR STE 500 ATLANTA, GA 60628 | METROPOLITAN LIFE INSURANCE COMPANY | $904 | $15K | $16K | 1.98% |
| PETER J MACE3 Filed as: PETER MACE | 5775 GLENRIDGE DR STE 500 ATLANTA, GA 30328 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $1K | $10K | 16.88% |
| PETER J MACE3 Filed as: PETER MACE | 5775 GLENRIDGE DR STE 500 ATLANTA, GA 30328 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $1K | $9K | 15.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX EIN 33-0441200 PHARMACY BENEFITS MGMT | Claims processing; Direct payment from the plan; Float revenue; Other fees Service code 12 | — | $1.5M |
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $944K |
| UMR | Claims processing Service code 12 | — | $5K |
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 | 1,791 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,809 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 294 | $119K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,774 | $817K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,774 | $817K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,774 | $817K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 3,774 | $817K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,774 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.