| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENGAGE INSURANCE3 Filed as: ENGAGE INSURANCE LLC | 4211 WEST BOY SCOUT BOULEVARD SUITE 500 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | $650K | $0 | $650K | 2.85% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 3696 NORTH FEDERAL HIGHWAY SUITE 202 FORT LAUDERDALE, FL 33308 | UNITEDHEALTHCARE INSURANCE COMPANY | $45K | $0 | $45K | 0.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 265 EXCHANGE DRIVE CRYSTAL LAKE, IL 60014 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | $0 | $28K | 0.13% |
| ENGAGE INSURANCE3 | 4000 HOLLYWOOD BOULEVARD SUITE 400N HOLLYWOOD, FL 33021 | METROPOLITAN LIFE INSURANCE COMPANY | $110K | $0 | $110K | 9.33% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $6K | $6K | 4.61% |
| ENGAGE INSURANCE AGENCY3 Filed as: ENGAGE INSURANCE AGENCY, LLC | 3001 EXECUTIVE DRIVE, SUITE 340 CLEARWATER, FL 33762 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 3.57% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,384 | $22.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,341 | $1.2M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,341 | $1.2M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 358 | $122K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,341 | $1.2M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 358 | $122K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 3,384 | $22.8M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 358 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,384 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.