| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS KEYSTONE HPE | $83K | — | $83K | 2.82% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 1111 W DEKALB PIKE WAYNE, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $3K | $19K | 12.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 699 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | UNITED CONCORDIA INSURANCE COMPANY | $3K | — | $3K | 2.05% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 1111 WEST DEKALB PIKE WAYNE, PA 19087 | KANSAS CITY LIFE INSURANCE CO. | $5K | — | $5K | 8.00% |
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANAGEMENT ENTERPRISES INC | 1111 W. DEKALB PIKE WAYNE, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $578 | — | $578 | 3.91% |
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANAGEMENT ENTERPRISES INC | 1111 W. DEKALB PIKE WAYNE, PA 19087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $260 | — | $260 | 2.20% |
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 | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS KEYSTONE HPE | 387 | $3.0M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 388 | $134K |
| Vision | INDEPENDENCE BLUE CROSS KEYSTONE HPE | 387 | $3.0M |
| Life insurance | KANSAS CITY LIFE INSURANCE CO. | 367 | $59K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 283 | $162K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 283 | $162K |
| Other(3 contracts, 3 carriers) | KANSAS CITY LIFE INSURANCE CO. | 367 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.