| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENSCOE LONG INSURANCE GROUP LLC3 | 80 EMERSON LANE SUITE 1301 BRIDGEVILLE, PA 15017 | HIGHMARK CASUALTY INSURANCE COMPANY | $28K | — | $28K | 10.00% |
| ENSCOE LONG INSURANCE GROUP LLC3 | 80 EMERSON LANE SUITE 1301 BRIDGEVILLE, PA 15017 | GUARDIAN | $11K | — | $11K | 10.00% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST 8TH FLOOR BUFFALO, NY 14204 | GUARDIAN | $6K | — | $6K | 5.00% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH LLC | 244 BLVD OF THE ALLIES PITTSBURGH, PA 15222 | GUARDIAN | $119 | — | $119 | 0.10% |
| ENSCOE LONG INSURANCE GROUP LLC3 | 80 EMERSON LANE SUITE 1301 BRIDGEVILLE, PA 15017 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $11 | $8K | 8.94% |
| LIAZON BENEFITS INC5 | 199 SCOTT STREET FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| ENSCOE LONG INSURANCE GROUP LLC3 | 80 EMERSON LANE SUITE 1301 BRIDGEVILLE, PA 15017 | SYMETRA LIFE INSURNANCE COMPANY | $3K | — | $3K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | 1001 BRINTON ROAD PITTSBURGH, PA 15221 | $68K |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 130 | $89K |
| Vision | GUARDIAN | 109 | $114K |
| Life insurance | GUARDIAN | 109 | $114K |
| Short-term disability | GUARDIAN | 109 | $114K |
| Long-term disability | GUARDIAN | 109 | $114K |
| Stop-loss / reinsurancereinsurance | HIGHMARK CASUALTY INSURANCE COMPANY | 148 | $277K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 112 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.