| 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 | $79K | — | $79K | 2.44% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 1111 W DEKALB PIKE BLUE BELL, PA 19087 | RXBENEFITS, INC. | $5K | — | $5K | 0.45% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 1111 W DEKALB PIKE WAYNE, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $4K | $25K | 12.01% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 699 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | UNITED CONCORDIA INSURANCE COMPANY | $8K | $269 | $9K | 5.60% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 699 RIVER DRIVE CENTER II ELMWOOD PARK, NJ 07407 | UNITED CONCORDIA INSURANCE COMPANY | $1K | — | $1K | 0.75% |
| 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 | $447 | — | $447 | 3.81% |
| CAPITAL MANAGEMENT ENTERPRISES3 Filed as: CAPITAL MANAGEMENT ENTERPRISES INC | 1111 W. DEKALB PIKE WAYNE, PA 19087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $204 | — | $204 | 2.12% |
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 | 295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS KEYSTONE HPE | 413 | $3.2M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 427 | $154K |
| Vision | INDEPENDENCE BLUE CROSS KEYSTONE HPE | 413 | $3.2M |
| Life insurance | KANSAS CITY LIFE INSURANCE CO. | 413 | $57K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 317 | $207K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 317 | $207K |
| Prescription drug | RXBENEFITS, INC. | 300 | $1.1M |
| Other(3 contracts, 3 carriers) | KANSAS CITY LIFE INSURANCE CO. | 413 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.