| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENGAGE INSURANCE AGENCY3 | 3109 STIRLING ROAD, SUITE 201 FORT LAUDERDALE, FL 33312 | AETNA HEALTH, INC. | — | $925K | $925K | 4.81% |
| ENGAGE INSURANCE AGENCY3 | 3109 STIRLING ROAD, SUITE 201 FORT LAUDERDALE, FL 33312 | AETNA LIFE INSURANCE COMPANY | $294K | $600K | $894K | 5.79% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | AETNA LIFE INSURANCE COMPANY | $71K | — | $71K | 0.46% |
| ENGAGE INSURANCE3 Filed as: ENGAGE INSURANCE, LLC | 40000 HOLLYWOOD BOULEVARD SUITE 400 HOLLYWOOD, FL 33021 | METROPOLITAN LIFE INSURANCE COMPANY | $414K | $746 | $415K | 16.23% |
| ENGAGE INSURANCE3 Filed as: ENGAGE INSURANCE, LLC | 4000 HOLLYWOOD BOULEVARD SUITE 400 HOLLYWOOD, FL 33021 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | -$39 | — | -$39 | — |
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 | 10,454 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 78 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,532 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 4,970 | $34.7M |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 5,918 | $18.0M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 5,918 | $18.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 5,918 | $2.6M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,918 | $2.6M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,918 | $2.6M |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 4,970 | $34.7M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 5,918 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,918 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.