| 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 | $98K | — | $98K | 5.00% |
| CME BENEFIT CONSULTING3 | 1111 W DEKALB PIKE WAYNE, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $89K | — | $89K | 7.50% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $25K | $25K | 2.10% |
| CME BENEFIT CONSULTING3 | 1111 W DEKALB PIKE WAYNE, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $80K | — | $80K | 7.50% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $25K | $25K | 2.35% |
| CME BENEFIT CONSULTING3 | 1111 W DEKALB PIKE WAYNE, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $54K | — | $54K | 7.50% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $25K | $25K | 3.46% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | METROPOLITAN LIFE INSURANCE COMPANY | — | $18 | $18 | 0.00% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 1111 650 E SWEDESFORD RD STE 350 WAYNE, PA 19087 | VISION SERVICE PLAN | $10K | — | $10K | 2.49% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 18101 | RELIASTAR LIFE INSURANCE COMPANY | $45K | — | $45K | 16.83% |
| C2 CENTRIC LLC3 | 8804 W WINNEPEG COURT AURORA, CO 80016 | RELIASTAR LIFE INSURANCE COMPANY | — | $3K | $3K | 1.00% |
| CME BENEFIT CONSULTING3 | 1111 W DEKALB PIKE WAYNE, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 7.42% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 4.44% |
| CME BENEFIT CONSULTING3 | 1111 W DEKALB PIKE WAYNE, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 7.50% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 3.45% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADVISORS | P.O. BOX 850502 MINNEAPOLIS, MN 55485 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $9K | — | $9K | 18.77% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | AN AON COMPANY 1 N WHITE HORSE PIKE, #2 HAMMONTON, PA 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $53 | $26 | $79 | 9.39% |
| 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 | 3,244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,359 | $271K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 5,135 | $2.6M |
| Vision | VISION SERVICE PLAN | 2,329 | $393K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,905 | $2.3M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,902 | $722K |
| Other(6 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,905 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,135 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.