| 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 | $287K | — | $287K | 8.89% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W STE 320 BLDG 16 BLUE BELL, PA 194222240 | METROPOLITAN LIFE INSURANCE COMPANY | $60K | $24K | $84K | 2.60% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 1111 W. DEKALB PIKE WAYNE, PA 19087 | KAISER FOUNDATION HEALTH PLANS, INC. SOUTH | $44K | — | $44K | 2.78% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 1111 W. DEKALB PIKE WAYNE, PA 19087 | KAISER FOUNDATION HEALTH PLANS, INC. NORTH | $17K | — | $17K | 2.53% |
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANGAGEMENT ENTERPRISES INC | 1111 W. DEKALB PIKE WAYNE, PA 19087 | SUN LIFE ASSURANCE COMPANY OF CANADA | $47K | — | $47K | 14.26% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W VEVA 16, SUITE 320 BLUE BELL, PA 19422 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | $22K | $38K | 11.40% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 1111 W. DEKALB PIKE WAYNE, PA 19087 | VISION SERVICE PLAN | $5K | — | $5K | 1.93% |
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANAGEMENT ENTERPRISES INC | 1111 W. DEKALB PIKE WAYNE, PA 19087 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $38 | — | $38 | 3.58% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W VEVA 16, SUITE 320 BLUE BELL, PA 19422 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $19 | — | $19 | 1.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY ST NEW YORK, NY 102810000 | FEDERAL INSURANCE COMPANY | — | — | $0 | — |
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 | 3,385 | 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) | 3,399 | 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 | 251 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 4,974 | $3.2M |
| Vision | VISION SERVICE PLAN | 1,870 | $234K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,974 | $3.2M |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 4 | $1K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,385 | $332K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLANS, INC. SOUTH | 251 | $2.2M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,400 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,400 | — |
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.