| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENSCOE LONG INSURANCE GROUP LLC3 Filed as: ENSCOE LONG INSURANCE GROUP | 80 EMERSON LANE, SUITE 1301 BRIDGEVILLE, PA 15017 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $26 | $12K | 9.12% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST, 8TH FL BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 4.97% |
| ENSCOE LONG INSURANCE GROUP LLC3 Filed as: ENSCOE LONG INSURANCE GROUP | 80 EMERSON LANE, SUITE 1301 BRIDGEVILLE, PA 15017 | GUARDIAN LIFE INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST, 8TH FL BUFFALO, NY 14204 | GUARDIAN LIFE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH LLC | 244 BLVD OF THE ALLIES PITTSBURGH, PA 15222 | GUARDIAN LIFE INSURANCE COMPANY | $20 | — | $20 | 0.02% |
| ENSCOE LONG INSURANCE GROUP LLC3 Filed as: ENSCOE LONG INSURANCE GROUP | 80 EMERSON LANE, SUITE 1301 BRIDGEVILLE, PA 15017 | SYMETRA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.12% |
| LIAZON BENEFITS INC3 | 737 MAIN STREET BUFFALO, NY 14203 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $390 | $526 | $916 | 23.51% |
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SYMETRA LIFE INSURANCE COMPANY | 136 | $29K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 111 | $135K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 132 | $126K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 132 | $126K |
| Other(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 136 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.