| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 15350 25TH AVENUE NORTH, SUITE 114 PLYMOUTH, MN 55447 | HIGHMARK, INC. | $36K | $0 | $36K | 0.79% |
| LAURA LYNN SCHEEREN3 | 114 BAYBERRY DRIVE SARVER, PA 16055 | HIGHMARK, INC. | $31K | $0 | $31K | 0.69% |
| ENSCOE LONG INSURANCE GROUP LLC3 Filed as: ENSCOE LONG INSURANGE GROUP, LLC | 80 EMERSON LANE, SUITE 1301 BRIDGEVILLE, PA 15017 | HIGHMARK, INC. | $12 | $0 | $12 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $23K | $0 | $23K | 8.00% |
| ENSCOE LONG INSURANCE GROUP LLC3 Filed as: ENSCOE LONG INSURANGE GROUP, LLC | 80 EMERSON LANE, SUITE 1301 BRIDGEVILLE, PA 15017 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 0.77% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $8K | 3.59% |
| ENSCOE LONG INSURANCE GROUP LLC3 Filed as: ENSCOE LONG INSURANGE GROUP, LLC | 1225 WASHINGTON PIKE, SUITE 301 BRIDGEVILLE, PA 15017 | METROPOLITAN LIFE INSURANCE COMPANY | $286 | $0 | $286 | 0.14% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7 | $7 | 0.00% |
| THOMAS W BOSTON3 Filed as: THOMAS W. BOSTON | 1275 WEST MAPLE STREET HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 12.19% |
| KATIE D DUER3 Filed as: KATIE D. DUER | 2801 SOUTH MEDINA LINE ROAD WADSWORTH, OH 44281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.12% |
| ENSCOE LONG INSURANCE GROUP LLC3 Filed as: ENSCOE LONG INSURANGE GROUP, LLC | 80 EMERSON LANE, SUITE 1301 BRIDGEVILLE, PA 15017 | METLIFE LEGAL PLANS | $934 | $0 | $934 | 6.74% |
| ENSCOE LONG INSURANCE GROUP LLC3 Filed as: ENSCOE LONG INSURANGE GROUP, LLC | 1225 WASHINGTON PIKE, SUITE 301 BRIDGEVILLE, PA 15017 | METLIFE LEGAL PLANS | $454 | $0 | $454 | 3.27% |
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 | 350 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 629 | $4.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 633 | $209K |
| Vision | HIGHMARK, INC. | 629 | $4.6M |
| Life insurance | STANDARD INSURANCE COMPANY | 350 | $292K |
| Short-term disability | STANDARD INSURANCE COMPANY | 350 | $292K |
| Long-term disability | STANDARD INSURANCE COMPANY | 350 | $292K |
| Prescription drug | HIGHMARK, INC. | 629 | $4.6M |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 370 | $355K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 633 | — |
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."
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.