| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENSCOE LONG INSURANCE GROUP LLC3 Filed as: ENSCOE LONG INSURANCE GROUP, LLC | 80 EMERSON LANE, STE. 1301 BRIDGEVILLE, PA 15017 | UPMC HEALTH OPTIONS | $30K | — | $30K | 3.02% |
| ENSCOE LONG INSURANCE GROUP LLC3 Filed as: ENSCOE LONG INSURANCE GROUP, LLC | 80 EMERSON LANE, STE. 1301 BRIDGEVILLE, PA 15017 | UPMC HEALTH OPTIONS | $9K | — | $9K | 3.01% |
| 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 | 8.29% |
| 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 | 2.85% |
| ENSCOE LONG INSURANCE GROUP LLC3 Filed as: ENSCOE LONG INSURANCE GROUP, LLC | 80 EMERSON LANE, STE. 1301 BRIDGEVILLE, PA 15017 | UPMC HEALTH BENEFITS | $5K | — | $5K | 9.48% |
| 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 | 16.14% |
| 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 | $1K | — | $1K | 15.00% |
| 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 | 1.52% |
| ENSCOE LONG INSURANCE GROUP LLC3 Filed as: ENSCOE LONG INSURANCE GROUP, LLC | 80 EMERSON LANE, STE. 1301 BRIDGEVILLE, PA 15017 | UPMC HEALTH BENEFITS | $225 | — | $225 | 7.26% |
| ENSCOE LONG INSURANCE GROUP LLC3 Filed as: ENSCOE LONG INSURANCE GROUP, LLC | 80 EMERSON LANE, STE. 1301 BRIDGEVILLE, PA 15017 | UPMC HEALTH BENEFITS | $11 | — | $11 | 5.12% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 159 | $1.4M |
| Dental(7 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 159 | $1.4M |
| Vision(7 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 159 | $1.4M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $78K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $78K |
| Prescription drug(7 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 159 | $1.4M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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."
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.