| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENGAGE INSURANCE AGENCY3 | 3109 STIRLING ROAD, SUITE 201 FORT LAUDERDALE, FL 33132 | AETNA LIFE INSURANCE COMPANY | $576K | $1.8M | $2.4M | 4.64% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | AETNA LIFE INSURANCE COMPANY | -$79K | $0 | -$79K | -0.15% |
| ENGAGE INSURANCE AGENCY3 | 3109 STIRLING ROAD, SUITE 201 FORT LAUDERDALE, FL 33132 | AETNA HEALTH INC. | $60K | $1.2M | $1.3M | 4.99% |
| ENGAGE INSURANCE AGENCY3 | 4000 HOLLYWOOD BOULEVARD SUITE 400N HOLLYWOOD, FL 33021 | METROPOLITAN LIFE INSURANCE COMPANY | $639K | $0 | $639K | 8.78% |
| DIANA LEWIS3 | 28059 US HIGHWAY 19 NORTH SUITE 201 CLEARWATER, FL 33761 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $286K | $0 | $286K | 30.41% |
| ENGAGE INSURANCE AGENCY3 | 3001 EXECUTIVE DRIVE, SUITE 340 SAINT PETERSBURG, FL 33762 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 0.86% |
| JEAN KOZLOWSKI3 | 28059 US HIGHWAY 19 NORTH SUITE 201 CLEARWATER, FL 33761 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | $0 | $28 | 0.00% |
| ENGAGE INSURANCE AGENCY3 | 4000 HOLLYWOOD BOULEVARD SUITE 400N HOLLYWOOD, FL 33021 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $16K | $0 | $16K | 8.91% |
| ENGAGE INSURANCE AGENCY3 | 4000 HOLLYWOOD BOULEVARD SUITE 400N HOLLYWOOD, FL 33021 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $4K | $0 | $4K | 9.12% |
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 | 10,826 | 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) | 10,826 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 8,983 | $76.9M |
| Dental(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 12,960 | $58.7M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 12,960 | $58.4M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 12,960 | $8.2M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 12,960 | $7.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 12,960 | $7.3M |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 8,983 | $76.9M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 12,960 | $8.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,960 | — |
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.