| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COWDEN ASSOCIATES INC3 Filed as: COWDEN ASSOCIATES, INC | 444 LIBERTY AVE., STE. 650 PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $22K | — | $22K | 2.24% |
| ENSCOE LONG INSURANCE GROUP LLC3 Filed as: ENSCOE LONG INSURANCE GROUP, LLC | 80 EMERSON LANE, STE. 1301 BRIDGEVILLE, PA 15017 | UPMC HEALTH OPTIONS | $8K | — | $8K | 0.77% |
| COWDEN ASSOCIATES INC3 Filed as: COWDEN ASSOCIATES, INC | 444 LIBERTY AVE., STE. 650 PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $7K | — | $7K | 2.25% |
| ENSCOE LONG INSURANCE GROUP LLC3 Filed as: ENSCOE LONG INSURANCE GROUP, LLC | 80 EMERSON LANE, STE. 1301 BRIDGEVILLE, PA 15017 | UPMC HEALTH OPTIONS | $2K | — | $2K | 0.75% |
| ENSCOE LONG INSURANCE GROUP LLC3 Filed as: ENSCOE LONG INSURANCE GROUP, LLC | 80 EMERSON LANE, STE. 1301 BRIDGEVILLE, PA 15017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 7.06% |
| COWDEN ASSOCIATES INC3 Filed as: COWDEN ASSOCIATES, INC | 444 LIBERTY AVE., STE. 650 PITTSBURGH, PA 15222 | UPMC HEALTH BENEFITS | $3K | — | $3K | 6.93% |
| ENSCOE LONG INSURANCE GROUP LLC3 Filed as: ENSCOE LONG INSURANCE GROUP, LLC | 80 EMERSON LANE, STE. 1301 BRIDGEVILLE, PA 15017 | UPMC HEALTH BENEFITS | $1K | — | $1K | 2.42% |
| COWDEN ASSOCIATES INC3 Filed as: COWDEN ASSOCIATES, INC | 444 LIBERTY AVE., STE. 650 PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $539 | — | $539 | 2.46% |
| ENSCOE LONG INSURANCE GROUP LLC3 Filed as: ENSCOE LONG INSURANCE GROUP, LLC | 80 EMERSON LANE, STE. 1301 BRIDGEVILLE, PA 15017 | UPMC HEALTH OPTIONS | $180 | — | $180 | 0.82% |
| ENSCOE LONG INSURANCE GROUP LLC3 Filed as: ENSCOE LONG INSURANCE GROUP, LLC | 80 EMERSON LANE, STE. 1301 BRIDGEVILLE, PA 15017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.85% |
| ENSCOE LONG INSURANCE GROUP LLC3 Filed as: ENSCOE LONG INSURANCE GROUP, LLC | 80 EMERSON LANE, STE. 1301 BRIDGEVILLE, PA 15017 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| ENSCOE LONG INSURANCE GROUP LLC3 Filed as: ENSCOE LONG INSURANCE GROUP, LLC | 80 EMERSON LANE, STE. 1301 BRIDGEVILLE, PA 15017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| COWDEN ASSOCIATES INC3 Filed as: COWDEN ASSOCIATES, INC | 444 LIBERTY AVE., STE. 650 PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $58 | — | $58 | 1.29% |
| ENSCOE LONG INSURANCE GROUP LLC3 Filed as: ENSCOE LONG INSURANCE GROUP, LLC | 80 EMERSON LANE, STE. 1301 BRIDGEVILLE, PA 15017 | UPMC HEALTH OPTIONS | $58 | — | $58 | 1.29% |
| COWDEN ASSOCIATES INC3 Filed as: COWDEN ASSOCIATES, INC | 444 LIBERTY AVE., STE. 650 PITTSBURGH, PA 15222 | UPMC HEALTH BENEFITS | $127 | — | $127 | 8.73% |
| ENSCOE LONG INSURANCE GROUP LLC3 Filed as: ENSCOE LONG INSURANCE GROUP, LLC | 80 EMERSON LANE, STE. 1301 BRIDGEVILLE, PA 15017 | UPMC HEALTH BENEFITS | $36 | — | $36 | 2.48% |
| COWDEN ASSOCIATES INC3 Filed as: COWDEN ASSOCIATES, INC | 444 LIBERTY AVE., STE. 650 PITTSBURGH, PA 15222 | UPMC HEALTH BENEFITS | $26 | — | $26 | 14.21% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 152 | $1.4M |
| Dental(7 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 152 | $1.4M |
| Vision(7 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 152 | $1.4M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $82K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $82K |
| Prescription drug(7 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 152 | $1.4M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.