| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENGAGE INSURANCE AGENCY3 | 4000 HOLLYWOOD BOULEVARD HOLLYWOOD, FL 33021 | AETNA LIFE INSURANCE COMPANY | $342K | $1.0M | $1.4M | 1.70% |
| ENGAGE INSURANCE AGENCY3 | 4000 HOLLYWOOD BOULEVARD HOLLYWOOD, FL 33021 | AETNA HEALTH INC. | $365K | $62K | $428K | 1.84% |
| ENGAGE INSURANCE3 | 4000 HOLLYWOOD BOULEVARD SUITE 400N HOLLYWOOD, FL 33021 | METROPOLITAN LIFE INSURANCE COMPANY | $808K | $0 | $808K | 8.09% |
| ENGAGE INSURANCE3 Filed as: ENGAGE INSURANCE LLC | 3001 EXECUTIVE DRIVE SUITE 340 SAINT PETERSBURG, FL 33762 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $223K | $0 | $223K | 11.12% |
| BENEPORT LLC3 | 28059 US HIGHWAY 19 NORTH SUITE 201 CLEARWATER, FL 33761 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $86K | $0 | $86K | 4.32% |
| DESSO FORMAN3 Filed as: DESSO H. FORMAN | 28058 US HIGHWAY 19 NORTH SUITE 201 CLEARWATER, FL 33761 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42K | $0 | $42K | 2.09% |
| COADVANTAGE INSURANCE SOLUTIONS COR3 Filed as: COADVANTAGE INSURANCE SOL CORP. | 135 WEST CENTRAL BOULEVARD SUITE 600 ORLANDO, FL 32801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.00% |
| ENGAGE INSURANCE3 | 4000 HOLLYWOOD BOULEVARD SUITE 400N HOLLYWOOD, FL 33021 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $10K | $0 | $10K | 8.48% |
| UNKNOWN3 | UNKNOWN SAINT PETERSBURG, FL 33762 | COMBINED INSURANCE | $5K | $0 | $5K | 15.00% |
| ENGAGE INSURANCE3 | 4000 HOLLYWOOD BOULEVARD SUITE 400N HOLLYWOOD, FL 33021 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $4K | $0 | $4K | 14.66% |
| ENGAGE INSURANCE3 | 4000 HOLLYWOOD BOULEVARD SUITE 400N HOLLYWOOD, FL 33021 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $4K | $0 | $4K | 18.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| S2 HR SOLUTIONS DBA ENGAGE EIN 45-2441552 ADMNISTRATION | Plan Administrator Service code 14 | — | $2.5M |
| MILLIMAN SOLUTIONS LLC EIN 47-5650627 UNDERWRITING | Actuarial Service code 11 | — | $254K |
| HEALTH ADVOCATE SOLUTIONS EIN 23-3080019 ENROLLMENT/EAP | Participant communication Service code 38 | — | $235K |
| ALLIANT INSURANCE SERVICES, INC. EIN 33-0785439 BENEFITS CONSULTING | Consulting (general) Service code 16 | — | $83K |
| BENEFIT RESOURCES EIN 16-1428488 COBRA ADMIN | Other services Service code 49 | — | $61K |
| GROOM EIN 52-1219029 LEGAL | Legal Service code 29 | — | $52K |
| COHNREZNICK LLP EIN 22-1478099 AUDITOR | Accounting (including auditing) Service code 10 | — | $27K |
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 | 6,908 | 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) | 6,908 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | AETNA LIFE INSURANCE COMPANY | 9,490 | $102.7M |
| Dental(5 contracts, 5 carriers) | AETNA LIFE INSURANCE COMPANY | 16,234 | $89.6M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 16,234 | $89.4M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 16,234 | $12.0M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 16,234 | $10.0M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 16,234 | $10.0M |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 9,490 | $102.7M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 16,234 | $12.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,234 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.