Form 5500 · Employee benefit plan · MIAMI, FL
ADP TOTALSOURCE, INC.
The filing calls this plan ADP TOTALSOURCE, INC. HEALTH AND WELFARE PLAN.
ADP TOTALSOURCE, INC. of MIAMI, FL spreads its employee benefits across 38 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is AMWINS GROUP BENEFITS INC NY/NJ/CT. Coverage is written through UNITEDHEALTHCARE INSURANCE COMPANY and 37 other carriers. The plan's most recent policy period ended in May.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-3216484 · plan 501 · plan year 2025, filed Mar 12, 2026
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How this plan is funded
Fully insured as reported
The plan's own financial statement reports paying insurance carriers about what the insurance contracts report in premium.
Benefits declared on this filing
Dental: the largest of the 6 insured dental contracts, with ANTHEM BLUE CROSS AND BLUE SHIELD, covers 37,792 of 552,196 participants (6.8%) on Schedule A.
Vision: the largest of the 2 insured vision contracts, with ANTHEM BLUE CROSS AND BLUE SHIELD, covers 37,792 of 552,196 participants (6.8%) on Schedule A.
Also declared: other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 39 insured contracts covering health, dental, vision, life and disability; the largest, with UNITEDHEALTHCARE INSURANCE COMPANY, covers 256,988 people.
Reported premium across the insured contracts is $5,058,047,855, with $15,341,282 in disclosed broker commissions — about 0.3% of premium.
The most recent policy period ended in May, and the plan year ends May 31. Group contracts typically renew on that annual cycle.
AMWINS GROUP BENEFITS INC NY/NJ/CT is the broker of record on 1 of the 39 contracts; the rest name a different broker or none.
38 carriers appear on the filing, including UNITEDHEALTHCARE INSURANCE COMPANY, AETNA LIFE INSURANCE COMPANY, ANTHEM BLUE CROSS AND BLUE SHIELD and KAISER FOUNDATION HEALTH PLAN, INC.. UNITEDHEALTHCARE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 256,988 | Jun 1, 2025 | $2,051,700,052 | $6,719,626 |
| METROPOLITAN LIFE INSURANCE COMPANY | Health, Life, Disability | 1,043,315 | Jun 1, 2025 | $102,713,340 | $3,045,149 |
| VISION SERVICE PLAN | Vision | 336,563 | Jun 1, 2025 | $42,324,507 | $2,115,993 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental | 169,449 | Jun 1, 2025 | $117,074,431 | $1,465,208 |
| AETNA LIFE INSURANCE COMPANY | Dental | 132,464 | Jun 1, 2025 | $66,260,145 | $891,548 |
| DELTA DENTAL INSURANCE COMPANY | Dental | 159,482 | Jun 1, 2025 | $63,689,532 | $880,068 |
| ANTHEM BLUE CROSS AND BLUE SHIELD | Health, Dental, Vision | 37,792 | Jun 1, 2025 | $394,523,631 | $93,745 |
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health | 6,599 | Jun 1, 2025 | $45,912,541 | $53,082 |
| HARVARD PILGRIM HEALTH CARE | Health | 9,993 | Jun 1, 2025 | $85,260,156 | $44,160 |
| DENTEGRA INSURANCE COMPANY | Dental | 4,239 | Jun 1, 2025 | $1,421,615 | $19,173 |
| HPHC INSURANCE COMPANY | Health | 3,433 | Jun 1, 2025 | $25,277,334 | $13,530 |
| AETNA LIFE INSURANCE COMPANY | Health | 230,362 | Jun 1, 2025 | $1,128,344,687 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 44,781 | Jun 1, 2025 | $323,503,481 | $0 |
| BLUE CROSS OF CALIFORNIA | Health | 31,494 | Jun 1, 2025 | $214,407,931 | $0 |
| AETNA HEALTH, INC. | Health | 12,856 | Jun 1, 2025 | $81,244,345 | $0 |
| BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | Health | 9,853 | Jun 1, 2025 | $66,568,813 | $0 |
| MEDICA INSURANCE COMPANY | Health | 5,827 | Jun 1, 2025 | $39,426,202 | $0 |
| REGENCE BLUECROSS BLUESHIELD OF OREGON | Health | 5,131 | Jun 1, 2025 | $33,570,982 | $0 |
| REGENCE BLUESHIELD | Health | 4,614 | Jun 1, 2025 | $28,121,169 | $0 |
| BLUE CARE NETWORK OF MICHIGAN | Health | 5,146 | Jun 1, 2025 | $26,633,323 | $0 |
| ANTHEM HEALTH PLANS OF KENTUCKY, INC. | Health | 3,753 | Jun 1, 2025 | $21,689,052 | $0 |
| COMMUNITY INSURANCE COMPANY | Health | 3,214 | Jun 1, 2025 | $21,681,588 | $0 |
| ANTHEM INSURANCE COMPANIES, INC. | Health | 3,056 | Jun 1, 2025 | $15,571,844 | $0 |
| HMSA | Health, Dental | 3,231 | Jun 1, 2025 | $11,580,510 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | Health | 1,691 | Jun 1, 2025 | $11,176,100 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF COLORADO | Health | 1,039 | Jun 1, 2025 | $6,106,026 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | Health | 908 | Jun 1, 2025 | $5,654,368 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | Health | 1,138 | Jun 1, 2025 | $5,541,901 | $0 |
| MATTHEW THORNTON HEALTH PLAN, INC. | Health | 564 | Jun 1, 2025 | $3,775,030 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF HAWAII | Health | 614 | Jun 1, 2025 | $3,744,256 | $0 |
| BLUE CROSS & BLUE SHIELD OF WISCONSIN | Health | 649 | Jun 1, 2025 | $3,246,374 | $0 |
| ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | Health | 357 | Jun 1, 2025 | $3,006,326 | $0 |
| COMPCARE HEALTH SERVICES INSURANCE CORPORATION | Health | 339 | Jun 1, 2025 | $2,299,106 | $0 |
| UNITEDHEALTHCARE OF CALIFORNIA | Health | 106 | Jun 1, 2025 | $2,054,655 | $0 |
| ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | Health | 307 | Jun 1, 2025 | $907,614 | $0 |
| MEDIEXCEL HEALTH PLAN | Health | 553 | Jun 1, 2025 | $777,983 | $0 |
| REGENCE BLUESHIELD OF IDAHO, INC. | Health | 142 | Jun 1, 2025 | $659,645 | $0 |
| ASURIS NORTHWEST HEALTH | Health | 117 | Jun 1, 2025 | $498,934 | $0 |
| HMO COLORADO | Health | 53 | Jun 1, 2025 | $98,326 | $0 |
Premium and claims on these contracts
METROPOLITAN LIFE INSURANCE COMPANY, contract VARIOUS. For the contract year on this filing, the carrier reported $102,713,340 in premium earned and $79,093,460 in claims incurred. Dividing one by the other gives 77%.
VISION SERVICE PLAN, contract 12338432. For the contract year on this filing, the carrier reported $42,324,507 in premium earned and $32,378,061 in claims incurred. Dividing one by the other gives 76%.
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, contract 00404556. For the contract year on this filing, the carrier reported $117,074,431 in premium earned and $97,685,932 in claims incurred. Dividing one by the other gives 83%.
AETNA LIFE INSURANCE COMPANY, contract 0700398-DENTAL. For the contract year on this filing, the carrier reported $58,529,742 in premium earned and $47,943,783 in claims incurred. Dividing one by the other gives 82%.
DELTA DENTAL INSURANCE COMPANY, contract 16051 & 78839. For the contract year on this filing, the carrier reported $63,689,532 in premium earned and $52,143,184 in claims incurred. Dividing one by the other gives 82%.
BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 111161. For the contract year on this filing, the carrier reported $45,912,541 in premium earned and $49,231,045 in claims incurred. Dividing one by the other gives 107%.
DENTEGRA INSURANCE COMPANY, contract 16758. For the contract year on this filing, the carrier reported $1,421,615 in premium earned and $1,031,718 in claims incurred. Dividing one by the other gives 73%.
BLUE CARE NETWORK OF MICHIGAN, contract 111161. For the contract year on this filing, the carrier reported $26,633,323 in premium earned and $24,280,134 in claims incurred. Dividing one by the other gives 91%.
- METROPOLITAN LIFE INSURANCE COMPANY, contract VARIOUS reported $22,965,263 in retention.
- VISION SERVICE PLAN, contract 12338432 reported $6,137,054 in retention.
- THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, contract 00404556 reported $16,273,347 in retention.
- AETNA LIFE INSURANCE COMPANY, contract 0700398-DENTAL reported $9,184,647 in retention.
- DELTA DENTAL INSURANCE COMPANY, contract 16051 & 78839 reported $12,506,664 in retention.
- BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 111161 reported $9,998,214 in retention.
- DENTEGRA INSURANCE COMPANY, contract 16758 reported $274,806 in retention.
- BLUE CARE NETWORK OF MICHIGAN, contract 111161 reported $5,803,708 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. The service providers are named on Schedule C of this filing. We publish company names only.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
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