| 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 | $95K | — | $95K | 5.00% |
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANAGEMENT ENTERPRISES, INC | 1111 WEST DEKALB PIKE WAYNE, PA 19087 | LIFE INSURANCE COMPNAY OF NORTH AMERICA | $116K | — | $116K | 7.50% |
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANAGEMENT ENTERPRISES, INC | 1111 WEST DEKALB PIKE WAYNE, PA 190872180 | VISION SERVICE PLAN | $10K | $375K | $385K | 102.67% |
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANAGEMENT ENTERPRISES, INC | 1111 WEST DEKALB PIKE WAYNE, PA 19087 | LIFE INSURANCE COMPNAY OF NORTH AMERICA | $16K | — | $16K | 7.50% |
| EMERSON REID LLC3 Filed as: EMERSON REID &CO., INC. | 1787 SENTRY PKWY W SUITE 320 BULE BELL, PA 194222240 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $787 | $787 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILLIS TOWERS WATSON EIN 98-0352587 PLAN ACTUARY | Actuarial Service code 11 | ONE PPG PLACE, 600 PITTSBURGH, PA 15222 | $258K |
| BSWIFT, LLC EIN 36-4391310 CONTRACT ADMINISTRATION | Contract Administrator Service code 13 | 10 S. RIVERSIDE PLAZA SUITE 1100 CHICAGO, IL 60606 | $135K |
| SCHNEIDER CAPITAL MGMT LEGAL | Legal Service code 29 | — | $86K |
| BNY MELLON TRUSTEE/CUSTODIAN | Trustee (directed); Custodial (securities) Service code 19 | — | $47K |
| STATE STREET GLOBAL ADVISORS INVESTMENT MANAGER | Investment management Service code 28 | 1 IRON STREET BOSTON, MA 02210 | $20K |
| FAEGRE DRINKER BIDDLE & REATH EIN 41-0244008 LEGAL | Legal Service code 29 | 90 SOUTH 7TH AVENUE MINNEAPOLIS, MN 55402 | $7K |
| CHARD SNYDER CONTRACT ADMINISTRATION | Contract Administrator Service code 13 | 6867 CINTAS BLVD MASON, OH 45040 | $6K |
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 | 1,405 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,170 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,575 | 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 COMPNAY OF NORTH AMERICA | 1,405 | $1.5M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPNAY OF NORTH AMERICA | 1,405 | $208K |
| 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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.