| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENSCOE LONG INSURANCE GROUP LLC3 Filed as: ENSCOE LONG INSURANCE | 80 EMERSON LANE, SUITE 1301 BRIDGEVILLE, PA 15017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $21K | $25K | 2.61% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $4K | $6K | 0.60% |
| ENSCOE LONG INSURANCE GROUP LLC3 Filed as: ENSCOE LONG INSURANCE | 80 EMERSON LANE, SUITE 1301 BRIDGEVILLE, PA 15017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $957 | $0 | $957 | 8.81% |
| USI INSURANCE SERVICES LLC3 | 6 PPG PLACE, SUITE 200 PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $129 | $0 | $129 | 1.19% |
| ENSCOE LONG INSURANCE GROUP LLC3 | 80 EMERSON LANE, SUITE 1301 BRIDGEVILLE, PA 15017 | HIGHMARK INC. | $272 | $0 | $272 | 2.95% |
| USI INSURANCE SERVICES LLC3 | 400 HIGHWAY 169 SOUTH, 8TH FLOOR SAINT LOUIS PARK, MN 55426 | HIGHMARK INC. | $70 | $0 | $70 | 0.76% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 157 | $962K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 157 | $962K |
| Vision | HIGHMARK INC. | 181 | $9K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 132 | $11K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 157 | $962K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 132 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.