Welfare broker

CAPITAL MANAGEMENT ENTERPRISES

Mailing address (most recent filing)

1111 WEST DEKALB PIKE

WAYNE, PA 19087

Total comp: $4.6M
Commissions: $3.8M
Fees: $783K
Filings: 18
Sponsors: 18

Carrier mix

Where CAPITAL MANAGEMENT ENTERPRISES places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

DELTA DENTAL OF CALIFORNIA33.3%
UNUM LIFE INSURANCE COMPANY OF AMERICA16.7%
UNITED CONCORDIA INSURANCE COMPANY16.7%
METROPOLITAN LIFE INSURANCE COMPANY16.7%
AETNA LIFE INSURANCE COMPANY16.7%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
DELTA DENTAL OF CALIFORNIA	2	$10.0M	33.3%
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$20.6M	16.7%
UNITED CONCORDIA INSURANCE COMPANY	1	$544K	16.7%
METROPOLITAN LIFE INSURANCE COMPANY	1	$6.0M	16.7%
AETNA LIFE INSURANCE COMPANY	1	$287K	16.7%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
PA	5	$31.4M	0.1%	19.98x
NJ	1	$6.0M	0.0%	7.73x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of CAPITAL MANAGEMENT ENTERPRISES's plans by broker comp / premium ratio. Median 9.19% vs welfare-wide median 6.29% (n=6).

Prospect-flag exposure · vs market baseline

Share of CAPITAL MANAGEMENT ENTERPRISES's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-6 of 6 sponsors where CAPITAL MANAGEMENT ENTERPRISES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
AMERIHEALTH CARITAS SERVICES, LLC AMERIHEALTH CARITAS SERVICES COMPREHENSIVE WELFARE BENEFIT PLAN	PA	$20.6M	$2.2M	UNUM LIFE INSURANCE COMPANY OF AMERICA
ESSENTIAL UTILITIES, INC. BENEFIT PLAN FOR ACTIVE EMPLOYEES OF AQUA AMERICA, INC.	PA	$6.5M	$490K	DELTA DENTAL OF PENNSYLVANIA
MISTRAS GROUP, INC. MISTRAS GROUP, INC. COMPREHENSIVE WELFARE BENEFITS PLAN	NJ	$6.0M	$441K	METROPOLITAN LIFE INSURANCE COMPANY
ESSENTIAL UTILITIES, INC. ESSENTIAL UTILITIES, INC. RETIREE HEALTH AND WELFARE PLAN	PA	$3.5M	$224K	DELTA DENTAL OF PENNSYLVANIA
SILVI CONCRETE PRODUCTS, INC. SILVI CONCRETE PRODUCTS, INC. COMPREHENSIVE WELFARE BENEFITS PLAN	PA	$544K	$69K	UNITED CONCORDIA INSURANCE COMPANY
DEPAUL GROUP DEPAUL GROUP COMPREHENSIVE WELFARE BENEFITS PLAN	PA	$287K	$37K	AETNA LIFE INSURANCE COMPANY