| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANAGEMENT ENTERPRISES INC | 1111 W. DEKALB PIKE WAYNE, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $298K | $0 | $298K | 8.89% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1787 SENTRY PKWY W STE 320 BLDG 16 BLUE BELL, PA 194222240 | METROPOLITAN LIFE INSURANCE COMPANY | $86K | $18K | $104K | 3.11% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 1111 DEKALB PIKE WAYNE, PA 19087 | KAISER FOUNDATION HEALTH PLANS, INC. SOUTH | $43K | — | $43K | 2.80% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 1111 W. DEKALB PIKE WAYNE, PA 19087 | KAISER FOUNDATION HEALTH PLANS, INC. NORTH | $20K | — | $20K | 2.80% |
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANGAGEMENT ENTERPRISES INC | 1111 W. DEKALB PIKE WAYNE, PA 19087 | SUN LIFE ASSURANCE COMPANY OF CANADA | $83K | — | $83K | 15.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1787 SENTRY PKWY W VEVA 16, SUITE 320 BLUE BELL, PA 19422 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | — | $28K | 5.00% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 1111 W. DEKALB PIKE WAYNE, PA 19087 | VISION SERVICE PLAN | $5K | — | $5K | 1.87% |
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANAGEMENT ENTERPRISES INC | 1111 W. DEKALB PIKE WAYNE, PA 19087 | SUN LIFE AND HEALTH INSURANCE COMPANY | $23 | — | $23 | 2.27% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16, SUITE 320 BLUE BELL, PA 19422 | SUN LIFE AND HEALTH INSURANCE COMPANY | $11 | — | $11 | 1.09% |
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 | 3,550 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,556 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLANS, INC. SOUTH | 300 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 5,512 | $3.3M |
| Vision | VISION SERVICE PLAN | 2,062 | $253K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 5,512 | $3.3M |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 4 | $1K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,550 | $550K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLANS, INC. SOUTH | 300 | $2.2M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,512 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,512 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.