feat: 商业保险新增员工汇总Tab

- 后端新增 /commercial-insurance/employee-summary 接口，按员工维度汇总商险
- 前端商业保险页面新增Tab切换：方案管理 + 员工汇总
- 员工汇总展示每人参保项、年保费合计、保额合计，底部带总计行

backend/src/routes/commercial-insurance.routes.ts

@@ -129,4 +129,43 @@ router.post('/enrollments/:enrollmentId/terminate', async (req: AuthRequest, res
   } catch (err) { next(err) }
 })
 
+// 员工商险汇总（按员工维度）
+router.get('/employee-summary', async (req: AuthRequest, res: Response, next: NextFunction) => {
+  try {
+    const enrollments = await prisma.commercialInsuranceEnrollment.findMany({
+      where: { orgId: req.user!.orgId, status: 'ACTIVE' },
+      include: {
+        employee: { select: { id: true, name: true, department: true } },
+        plan: { select: { id: true, name: true, type: true, provider: true, coverageAmount: true } },
+      },
+    })
+    const summary: Record<string, any> = {}
+    for (const e of enrollments) {
+      if (!summary[e.employeeId]) {
+        summary[e.employeeId] = {
+          employeeId: e.employeeId,
+          name: e.employee.name,
+          department: e.employee.department,
+          insurances: [],
+          totalPremium: 0,
+          totalCoverage: 0,
+        }
+      }
+      summary[e.employeeId].insurances.push({
+        planId: e.planId,
+        planName: e.plan.name,
+        type: e.plan.type,
+        provider: e.plan.provider,
+        premium: e.premium,
+        coverageAmount: e.plan.coverageAmount,
+        effectiveFrom: e.effectiveFrom,
+        effectiveTo: e.effectiveTo,
+      })
+      summary[e.employeeId].totalPremium += e.premium
+      summary[e.employeeId].totalCoverage += e.plan.coverageAmount
+    }
+    res.json({ success: true, data: Object.values(summary) })
+  } catch (err) { next(err) }
+})
+
 export default router