| 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 | $744 | $0 | $744 | 4.33% |
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANAGEMENT ENTERPRISES, INC | 1111 W DEKALB PIKE WAYNE, PA 190872180 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 19.36% |
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANAGEMENT ENTERPRISES, INC | 1111 W DEKALB PIKE WAYNE, PA 190872180 | VISION SERVICE PLAN | $65 | $0 | $65 | 2.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BAKER TILLY VIRCHOW KRAUSE EIN 39-0859910 NONE | Accounting (including auditing) Service code 10 | — | $20K |
| THE SWARTHMORE GROUP EIN 23-3042105 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $13K |
| HAVERFORD TRUST COMPANY EIN 23-2329854 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $12K |
| BANK OF AMERICA EIN 94-1687665 NONE | Trustee (directed) Service code 25 | — | $10K |
| EMSTONE ADVISORS NONE | Investment management fees paid indirectly by plan Service code 52 | 301 LINDENWOOD DRIVE MALVERN, PA 19355 | $9K |
| TOWERS WATSON INVESTMENT NONE | Investment management Service code 28 | 1500 MARKET STREET PHILADELPHIA, PA 19102 | $9K |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 212 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 28 | $17K |
| Vision | VISION SERVICE PLAN | 34 | $3K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 182 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.