| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPITAL MANAGEMENT ENTERPRISES3 | 1111 W DEKALB PIKE WAYNE, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $46K | $7K | $54K | 15.21% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY, SUITE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $19K | $19K | 5.25% |
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANAGEMENT ENTERPRISES INC. | 1111 W DEKALB PIKE WAYNE, PA 19087 | VISION SERVICE PLAN | $8K | — | $8K | 2.27% |
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANAGEMENT ENTERPRISES INC. | 1111 W DEKALB PIKE WAYNE, PA 190872180 | METROPOLITAN LIFE INSURANCE COMPANY | $45K | — | $45K | 16.72% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 669 RIVER DRIVE CENTER II, STE 305 ELMWOOD, NJ 074071361 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $1K | $12K | 4.56% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | RELIASTAR LIFE INSURANCE COMPANY | $50K | $0 | $50K | 20.93% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 1111 W DEKALB PIKE WAYNE, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $2K | $18K | 14.50% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY, SUITE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $6K | $6K | 5.00% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 1111 W DEKALB PIKE WAYNE, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 7.50% |
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANAGEMENT ENTERPRISES INC. | 1111 W DEKALB PIKE WAYNE, PA 19087 | DELTA DENTAL OF PENNSYLVANIA | $559 | — | $559 | 5.00% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 1111 W DEKALB PIKE WAYNE, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $402 | — | $402 | 7.49% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $53 | — | $53 | 6.30% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 1111 W DEKALB PIKE WAYNE, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31 | — | $31 | 3.69% |
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 918 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 37 | $11K |
| Vision | VISION SERVICE PLAN | 2,171 | $336K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,521 | $425K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,441 | $354K |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,330 | $640K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,330 | — |
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."
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.