| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | INDEPENDENCE BLUE CROSS KEYSTONE HPE | — | $82K | $82K | 2.55% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 350 FIFTH AVE, SUITE 3700 NEW YORK, NY 10118 | UNITED CONCORDIA INSURANCE COMPANY | $4K | — | $4K | 2.81% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 1111 WEST DEKALB PIKE WAYNE, PA 19087 | KANSAS CITY LIFE INSURANCE CO. | $3K | — | $3K | 8.00% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 1111 W DEKALB PIKE WAYNE, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.06% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | AMERIHEALTH INSURANCE COMPANY | — | — | $0 | 0.00% |
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANAGEMENT ENTERPRISES INC | 1111 W. DEKALB PIKE WAYNE, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $826 | — | $826 | 5.20% |
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANAGEMENT ENTERPRISES INC | 1111 W. DEKALB PIKE WAYNE, PA 19087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $388 | — | $388 | 2.59% |
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 | 285 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS KEYSTONE HPE | 371 | $3.3M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 480 | $149K |
| Vision | INDEPENDENCE BLUE CROSS KEYSTONE HPE | 371 | $3.2M |
| Life insurance | KANSAS CITY LIFE INSURANCE CO. | 309 | $41K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 133 | $36K |
| Other(3 contracts, 3 carriers) | KANSAS CITY LIFE INSURANCE CO. | 309 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 480 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.