| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENSCOE LONG INSURANCE GROUP LLC3 Filed as: ENSCOE LONG INSURANCE COMPANY LLC | 80 EMERSON LANE SUITE 1301 BRIDGEVILLE, PA 15017 | UPMC HEALTH OPTIONS | $8K | — | $8K | 3.00% |
| ENSCOE LONG INSURANCE GROUP LLC3 | 80 EMERSON LANE SUITE 1301 BRIDGEVILLE, PA 15017 | UPMC HEALTH OPTIONS | $7K | — | $7K | 2.96% |
| ENSCOE LONG INSURANCE GROUP LLC3 | 80 EMERSON LANE SUITE 1301 BRIDGEVILLE, PA 15017 | UPMC HEALTH OPTIONS | $6K | — | $6K | 2.97% |
| ENSCOE LONG INSURANCE GROUP LLC3 | 80 EMERSON LANE SUITE 1301 BRIDGEVILLE, PA 15017 | UPMC HEALTH OPTIONS | $6K | — | $6K | 2.99% |
| ENSCOE LONG INSURANCE GROUP LLC3 | 80 EMERSON LANE SUITE 1301 BRIDGEVILLE, PA 15017 | UPMC HEALTH OPTIONS | $2K | — | $2K | 2.87% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $869 | $3K | $4K | 6.15% |
| ENSCOE LONG INSURANCE GROUP LLC3 | 80 EMERSON LANE SUITE 1301 BRIDGEVILLE, PA 15017 | UPMC HEALTH OPTIONS | $2K | — | $2K | 3.05% |
| ENSCOE LONG INSURANCE GROUP LLC3 | 80 EMERSON LANE SUITE 1301 BRIDGEVILLE, PA 15017 | UPMC HEALTH OPTIONS | $1K | — | $1K | 2.94% |
| ENSCOE LONG INSURANCE GROUP LLC3 | 80 EMERSON LANE SUITE 1301 BRIDGEVILLE, PA 15017 | UPMC HEALTH OPTIONS | $853 | — | $853 | 2.99% |
| ENSCOE LONG INSURANCE GROUP LLC3 | 80 EMERSON LANE SUITE 1301 BRIDGEVILLE, PA 15017 | UPMC HEALTH BENEFITS | $2K | — | $2K | 9.10% |
| ENSCOE LONG INSURANCE GROUP LLC3 | 80 EMERSON LANE SUITE 1301 BRIDGEVILLE, PA 15017 | UPMC HEALTH BENEFITS | $1K | — | $1K | 8.99% |
| ENSCOE LONG INSURANCE GROUP LLC3 | 80 EMERSON LANE SUITE 1301 BRIDGEVILLE, PA 15017 | UPMC HEALTH BENEFITS | $1K | — | $1K | 8.97% |
| ENSCOE LONG INSURANCE GROUP LLC3 | 80 EMERSON LANE SUITE 1301 BRIDGEVILLE, PA 15017 | UPMC HEALTH BENEFITS | $912 | — | $912 | 9.24% |
| PAA SERVICES INC3 | C/O EILEEN MAYFIELD HARRISBURG, PA 17105 | AMERICAN FIDELITY ASSURANCE COMPANY | -$26 | $320 | $294 | 4.33% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDEILTY ASSURANCE COMPANY | $108 | — | $108 | 2.87% |
| ENSCOE LONG INSURANCE GROUP LLC3 | 80 EMERSON LANE SUITE 1301 BRIDGEVILLE, PA 15017 | UPMC HEALTH OPTIONS | $116 | — | $116 | 3.33% |
| PAA SERVICES INC3 | C/O EILEEN MAYFIELD HARRISBURG, PA 17105 | AMERICAN FIDELITY ASSURANCE COMPANY | -$8 | $79 | $71 | 4.39% |
| PAA SERVICES INC3 | C/O EILEEN MAYFIELD HARRISBURG, PA 17105 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $39 | $39 | 2.65% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL INSURANCE COMPANY | PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | — | $103 | 12.55% |
| ENSCOE LONG INSURANCE GROUP LLC3 | 80 EMERSON LANE SUITE 1301 BRIDGEVILLE, PA 15017 | UPMC HEALTH OPTIONS | $23 | — | $23 | 11.33% |
| ENSCOE LONG INSURANCE GROUP LLC3 | 80 EMERSON LANE SUITE 1301 BRIDGEVILLE, PA 15017 | UPMC HEALTH BENEFITS | $3 | — | $3 | 5.88% |
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 | 136 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(16 contracts, 3 carriers) | UPMC HEALTH OPTIONS | 70 | $1.2M |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 3 | $821 |
| Short-term disability(3 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 25 | $12K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 64 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 70 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.