| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENSCOE LONG INSURANCE GROUP LLC3 | 80 EMERSON LN, STE 1301 BRIDGEVILLE, PA 15017 | HIGHMARK INC | $60K | — | $60K | 1.37% |
| ENSCOE LONG INSURANCE GROUP LLC3 | 80 EMERSON LN, STE 1301 BRIDGEVILLE, PA 15017 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 2.39% |
| ENSCOE LONG INSURANCE GROUP LLC3 | 80 EMERSON LN, STE 1301 BRIDGEVILLE, PA 15017 | STANDARD INSURANCE COMPANY | $11K | $801 | $11K | 8.60% |
| ENSCOE LONG INSURANCE GROUP LLC3 | 80 EMERSON LN, STE 1301 BRIDGEVILLE, PA 15017 | STANDARD INSURANCE COMPANY | $6K | $489 | $7K | 8.61% |
| ENSCOE LONG INSURANCE GROUP LLC3 | 80 EMERSON LN, STE 1301 BRIDGEVILLE, PA 15017 | STANDARD INSURANCE COMPANY | $4K | $339 | $5K | 8.61% |
| THOMAS W BOSTON3 Filed as: THOMAS BOSTON | 13661 MARKET AVENUE N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 9.40% |
| KATIE D DUER3 Filed as: KATIE DUER | 2801 S MEDINA LINE RD WADSWORTH, OH 44281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 4.71% |
| HM CENTERED HEALTH INC3 | 19 NORTH MAIN ST WILKES BARRE, PA 18711 | FOUR EVER LIFE INS CO. | — | $61 | $61 | 4.02% |
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 | 341 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC | 285 | $4.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 650 | $213K |
| Vision | HIGHMARK INC | 285 | $4.4M |
| Life insurance | STANDARD INSURANCE COMPANY | 341 | $133K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 309 | $134K |
| Long-term disability | STANDARD INSURANCE COMPANY | 309 | $55K |
| Prescription drug | HIGHMARK INC | 285 | $4.4M |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 341 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 650 | — |
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.
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.