| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENSCOE LONG INSURANCE GROUP LLC3 | 80 EMERSON LANE STE 1301 BRIDGEVILLE, PA 15017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $56K | $56K | 1.50% |
| ENSCOE LONG INSURANCE GROUP LLC3 | 80 EMERSON LANE STE 1301 BRIDGEVILLE, PA 15017 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 0.80% |
| ENSCOE LONG INSURANCE GROUP LLC3 | 80 EMERSON LANE STE 1301 BRIDGEVILLE, PA 15017 | STANDARD INSURANCE COMPANY | $780 | — | $780 | 0.80% |
| ENSCOE LONG INSURANCE GROUP LLC3 | 80 EMERSON LANE STE 1301 BRIDGEVILLE, PA 15017 | STANDARD INSURANCE COMPANY | $493 | — | $493 | 0.82% |
| THOMAS W BOSTON3 | 13661 MARKET AVE N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 12.47% |
| KATIE D DUER3 | 2801 S MEDINA LINE ROAD WADSWORTH, OH 44281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 6.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ENSCOE LONG INSURANCE GROUP LLC EIN 20-5521580 BROKER | Insurance agents and brokers Service code 22 | 80 EMERSON LANE STE 1301 BRIDGEVILLE, PA 15017 | $56K |
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 | 347 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 289 | $3.7M |
| Dental | DELTA DENTAL | 297 | $214K |
| Vision | HIGHMARK INC | 251 | $37K |
| Life insurance | STANDARD INSURANCE COMPANY | 350 | $151K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 318 | $147K |
| Long-term disability | STANDARD INSURANCE COMPANY | 318 | $60K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 289 | $3.7M |
| Other(2 contracts, 2 carriers) | DISCOVERY BENEFITS | 374 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.