| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANAGEMENT ENTERPRISES, INC | 1111 WEST DEKALB PIKE WAYNE, PA 19087 | DELTA DENTAL OF PENNSYLVANIA | $71K | — | $71K | 5.00% |
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANAGEMENT ENTERPRISES, INC | 1111 WEST DEKALB PIKE WAYNE, PA 190872180 | METROPOLITAN LIFE INSURANCE COMPANY | $55K | $299 | $56K | 11.40% |
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANAGEMENT ENTERPRISES, INC | 1111 WEST DEKALB PIKE WAYNE, PA 190872180 | VISION SERVICE PLAN | $2K | — | $2K | 13.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TOWERS WATSON INVESTMENT SERVICES EIN 52-1868818 INVESTMENT MANAGER | Investment management Service code 28 | 1500 MARKET STREET PHILADELPHIA, PA 19102 | $20K |
| SCHNEIDER DOWNS & CO., INC. EIN 25-1408703 PLAN AUDITOR | Accounting (including auditing) Service code 10 | ONE PPG PLACE, SUITE 1700 PITTSBURGH, PA 15222 | $17K |
| BAKER TILLY VIRCHOW KRAUSE EIN 39-0859910 PLAN AUDITOR | Accounting (including auditing) Service code 10 | 20 STANWIX STREET PITTSBURGH, PA 15222 | $15K |
| WILLIS TOWERS WATSON EIN 98-0352587 PLAN ACTUARY | Actuarial Service code 11 | ONE PPG PLACE, 600 PITTSBURGH, PA 15222 | $12K |
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 | 95 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 221 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 0 | $1.4M |
| Vision | VISION SERVICE PLAN | 58 | $12K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,853 | $488K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,853 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.