| 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 - PERSONAL CHOICE | $612K | — | $612K | 5.59% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 1111 W. DEKALB PIKE WAYNE, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $178K | — | $178K | 12.00% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 1111 W. DEKALB PIKE WAYNE, PA 19087 | STARMOUNT LIFE INSURANCE COMPANY | $47K | — | $47K | 5.96% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 1111 W. DEKALB PIKE WAYNE, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 15.13% |
| CAPITAL MANAGEMENT ENTERPRISES3 | 1111 W. DEKALB PIKE WAYNE, PA 19087 | FIDELITY SECURITY LIFE | $10K | — | $10K | 8.84% |
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 | 7,022 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 63 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,085 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | 3,508 | $10.9M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 2,985 | $788K |
| Vision | FIDELITY SECURITY LIFE | 3,279 | $116K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,022 | $1.6M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,022 | $1.5M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,022 | $1.5M |
| Prescription drug | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | 3,508 | $10.9M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,022 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,022 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.