| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANAGEMENT ENTERPRISES INC. | 1111 W DEKALB PIKE WAYNE, PA 190872180 | DELTA DENTAL OF PENNSYLVANIA | $95K | — | $95K | 5.00% |
| CME BENEFIT CONSULTING3 | 1111 W DEKALB PIKE WAYNE, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $116K | — | $116K | 7.50% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 1111 W DEKALB PIKE WAYNE, PA 19087 | VISION SERVICE PLAN | $10K | — | $10K | 2.67% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNOR STRONG & BUCKELEW | P.O. BOX 99106, 401 RT 73 N CAMDEN, NJ 18101 | RELIASTAR LIFE INSURANCE COMPANY | $47K | — | $47K | 16.36% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | P.O. BOX 850502 MINNEAPOLIS, MN 55485 | RELIASTAR LIFE INSURANCE COMPANY | $14K | — | $14K | 4.89% |
| C2 CENTRIC LLC3 | 8804 W. WINNEPEG COURT AURORA, CO 80016 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.76% |
| CME BENEFIT CONSULTING3 | 1111 W DEKALB PIKE WAYNE, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 7.50% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 1111 W DEKALB PIKE WAYNE, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $56 | — | $56 | 5.03% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, PA 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% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1787 SENTRY PARKWAY, SUITE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $787 | $787 | — |
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 | 3,278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 5,049 | $1.9M |
| Vision | VISION SERVICE PLAN | 2,341 | $375K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $1.5M |
| Other(4 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,342 | $494K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,049 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.