| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENGAGE INSURANCE AGENCY3 | 4000 HOLLYWOOD BOULEVARD HOLLYWOOD, FL 33021 | AETNA LIFE INSURANCE COMPANY | $437K | $1.2M | $1.6M | 2.10% |
| ENGAGE INSURANCE AGENCY3 | 4000 HOLLYWOOD BOULEVARD HOLLYWOOD, FL 33021 | AETNA HEALTH, INC. | $161K | $657K | $818K | 4.84% |
| ENGAGE INSURANCE3 | 4000 HOLLYWOOD BOULEVARD SUITE 400N HOLLYWOOD, FL 33021 | METROPOLITAN LIFE INSURANCE COMPANY | $81K | $39K | $121K | 1.20% |
| ENGAGE INSURANCE AGENCY3 | 3001 EXECUTIVE DRIVE, SUITE 340 CLEARWATER, FL 33762 | KAISER FOUNDATION HEALTH PLAN INC | $28K | $0 | $28K | 1.49% |
| ENGAGE INSURANCE3 Filed as: ENGAGE INSURANCE, LLC | 3001 EXECUTIVE DRIVE, SUITE 340 SAINT PETERSBURG, FL 33762 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $250K | $0 | $250K | 19.01% |
| BENEPORT LLC3 Filed as: BENEPORT, LLC | 28059 US HIGHWAY 19 NORTH SUITE 201 CLEARWATER, FL 33761 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $105K | $0 | $105K | 7.97% |
| DESSO FORMAN3 Filed as: DESSO H. FOREMAN | 28059 US HIGHWAY 19 NORTH SUITE 201 CLEARWATER, FL 33761 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19K | $0 | $19K | 1.44% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40 | $0 | $40 | 0.00% |
| CO-ADVANTAGE INSURANCE SERVICES3 | 135 WEST CENTRAL BOULEVARD SUITE 600 ORLANDO, FL 32801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | $0 | $15 | 0.00% |
| HOWARD B LABOW3 Filed as: HOWARD B. LABOW | 666 DUNDEE ROAD, SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | $0 | $7 | 0.00% |
| BENETEK CORPORATION3 | 4725 WEST SAND LAKE ROAD, SUITE 300 ORLANDO, FL 32819 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.00% |
| ENGAGE INSURANCE AGENCY3 | 3001 EXECUTIVE DRIVE, SUITE 340 ST. PETERSBURG, FL 33762 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $7K | $0 | $7K | 1.66% |
| ENGAGE INSURANCE AGENCY3 | 4000 HOLLYWOOD BOULEVARD SUITE 400N HOLLYWOOD, FL 33021 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $9K | $4K | $12K | 12.07% |
| ENGAGE INSURANCE AGENCY3 | 4000 HOLLYWOOD BOULEVARD SUITE 400N HOLLYWOOD, FL 33021 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $4K | $4K | $8K | 14.78% |
| ENGAGE INSURANCE AGENCY3 | 4000 HOLLYWOOD BOULEVARD SUITE 400N HOLLYWOOD, FL 33021 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $3K | $4K | $7K | 16.67% |
| ENGAGE INSURANCE AGENCY3 | 4000 HOLLYWOOD BOULEVARD HOLLYWOOD, FL 33021 | COMBINED INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| S2 HR SOLUTIONS DBA ENGAGE EIN 45-2441552 ADMINISTRATION | Plan Administrator Service code 14 | — | $2.0M |
| HEALTH ADVOCATE SOLUTIONS EIN 23-3080019 ENROLLMENT/EAP | Participant communication Service code 38 | — | $206K |
| MILLIMAN SOLUTIONS LLC EIN 47-5650627 UNDERWRITING | Actuarial Service code 11 | — | $183K |
| BENEFIT RESOURCES EIN 16-1428488 COBRA ADMIN | Other services Service code 49 | — | $78K |
| COHNREZNICK LLP EIN 22-1478099 AUDITOR | Accounting (including auditing) Service code 10 | — | $24K |
| GROOM EIN 52-1219029 LEGAL | Legal Service code 29 | — | $20K |
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 | 6,445 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,490 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 7 carriers) | AETNA LIFE INSURANCE COMPANY | 13,528 | $97.8M |
| Dental(5 contracts, 5 carriers) | AETNA LIFE INSURANCE COMPANY | 16,874 | $88.6M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 16,874 | $88.4M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 16,874 | $11.4M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 16,874 | $10.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 16,874 | $10.1M |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 13,528 | $95.2M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 18,879 | $11.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,879 | — |
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.