| 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 | $176K | $0 | $176K | 3.34% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 3696 NORTH FEDERAL HIGHWAY SUITE 202 FORT LAUDERDALE, FL 33308 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 265 EXCHANGE DRIVE CRYSTAL LAKE, IL 60014 | UNITEDHEALTHCARE INSURANCE COMPANY | -$92 | $0 | -$92 | -0.00% |
| ENGAGE INSURANCE3 Filed as: ENGAGE INSURANCE, LLC | 3001 EXECUTIVE DRIVE, SUITE 340 CLEARWATER, FL 33762 | DELTA DENTAL OF NEW JERSEY, INC. | $23K | — | $23K | 5.00% |
| DOAMM AGENCY LLC3 Filed as: DOAMM AGENCY, LLC | 3131 PRINCETON PIKE, SUITE 201 BUILDING 6 LAWRENCEVILLE, NJ 08648 | DELTA DENTAL OF NEW JERSEY, INC. | $5 | — | $5 | 0.00% |
| ENGAGE INSURANCE3 | 4000 HOLLYWOOD BOULEVARD SUITE 400N HOLLYWOOD, FL 33021 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 9.21% |
| ENGAGE INSURANCE AGENCY3 Filed as: ENGAGE INSURANCE AGENCY LLC | 4211 WEST BOY SCOUT BOULEVARD SUITE 500 TAMPA, FL 33607 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.43% |
| ENGAGE INSURANCE AGENCY3 Filed as: ENGAGE INSURANCE AGENCY, LLC | 3001 EXECUTIVE DRIVE, SUITE 340 CLEARWATER, FL 33762 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.54% |
| 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 | — | $2K | $2K | 5.00% |
| ENGAGE INSURANCE AGENCY3 Filed as: ENGAGE INSURANCE AGENCY LLC | 4211 WEST BOY SCOUT BOULEVARD SUITE 500 TAMPA, FL 33607 | ALPHA DENTAL PROGRAMS, INC. | $800 | $0 | $800 | 3.00% |
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 | 351 | 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) | 351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,994 | $5.3M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 2,427 | $677K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,427 | $258K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 351 | $31K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,427 | $193K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 351 | $31K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 2,994 | $5.3M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 351 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,994 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.