| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENSCOE LONG INSURANCE GROUP LLC3 | 80 EMERSON LANE SUITE 1301 BRIDGEVILLE, PA 15017 | AETNA LIFE INSURANCE COMPANY | $8K | — | $8K | 0.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ENSCOE LONG INSURANCE GROUP LLC EIN 20-5521580 | Insurance agents and brokers Service code 22 | 80 EMERSON LANE SUITE 1301 BRIDGEVILLE, PA 15017 | $36K |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 235 | $1.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 235 | $1.2M |
| Vision | AETNA LIFE INSURANCE COMPANY | 235 | $1.2M |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 235 | $1.2M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 235 | $1.2M |
| Other | AETNA LIFE INSURANCE COMPANY | 235 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.