| 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 | $98K | — | $98K | 5.00% |
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANAGEMENT ENTERPRISES, INC | 1111 WEST DEKALB PIKE WAYNE, PA 190872130 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $80K | — | $80K | 7.50% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG & BUCKELEW COMPANIES | PO BOX 99106 401 ROUTE 73 N STE 300 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $25K | $25K | 2.35% |
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANAGEMENT ENTERPRISES, INC | 650 E SWEDESFORD RD STE 350 WAYNE, PA 19087 | VISION SERVICE PLAN | $10K | — | $10K | 2.49% |
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANAGEMENT ENTERPRISES, INC | 1111 WEST DEKALB PIKE WAYNE, PA 190872130 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 7.50% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG & BUCKELEW COMPANIES | PO BOX 99106 401 ROUTE 73 N STE 300 CAMDEN, NJ 08101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 3.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILLIS TOWERS WATSON US LLC EIN 53-0181291 ACTUARY | Consulting (pension); Direct payment from the plan; Contract Administrator; Actuarial; Consulting fees Service code 11 | — | $268K |
| FAEGRE DRINKER BIDDLE AND REATH EIN 41-0244008 NONE | Direct payment from the plan; Legal Service code 29 | — | $210K |
| SCHNEIDER DOWNS & CO. EIN 25-1408703 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $131K |
| THE BANK OF NEW YORK MELLON EIN 13-5160382 NONE | Custodial (securities); Trustee (directed); Direct payment from the plan Service code 19 | — | $92K |
| ALIGHT SOLUTIONS EIN 36-2235791 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees Service code 15 | — | $25K |
| STATE STREET GLOBAL ADVISORS EIN 81-4017137 NONE | Custodial (other than securities); Investment management fees paid directly by plan; Custodial (securities) Service code 18 | — | $11K |
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 | 1,456 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 820 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 5,135 | $2.0M |
| Vision | VISION SERVICE PLAN | 2,329 | $393K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,456 | $1.1M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,456 | $102K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.