| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPITAL MANAGEMENT ENTERPRISES3 | 650 E. SWEDESFORD RD, STE 350 WAYNE, PA 19087 | AETNA LIFE INSURANCE COMPANY | $954 | — | $954 | 0.79% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 650 E. SWEDESFORD RD, STE 350 WAYNE, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $6K | $12K | 19.10% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 5.00% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 650 E. SWEDESFORD RD, STE 350 WAYNE, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $4K | $8K | 19.09% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 5.00% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 650 E. SWEDESFORD RD, STE 350 WAYNE, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $4K | $8K | 20.63% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 5.00% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 650 E. SWEDESFORD RD, STE 350 WAYNE, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $224 | $187 | $411 | 18.34% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II ELMWOOD, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $112 | $112 | 5.00% |
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 | 205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 205 | $121K |
| Vision | VISION BENEFITS OF AMERICA | 103 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 178 | $44K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 61 | $39K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 148 | $63K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 148 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.