Form 5500 · Employee benefit plan · CLEARWATER, FL
ASPEN HR PEO, LLC
The filing calls this plan ASPEN HR PEO, LLC HEALTH AND WELFARE PLAN.
Public Form 5500 records show how ASPEN HR PEO, LLC of CLEARWATER, FL, a professional services employer, structures its employee benefits. Its broker of record is HUB INTERNATIONAL INS SVCS INC.. Coverage is written through AETNA LIFE INSURANCE COMPANY and 8 other carriers. The plan's most recent policy period ended in August.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 85-3188438 · plan 501 · plan year 2025, filed Mar 26, 2026
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170 other employer plans in Florida have policy years ending in August. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
The filing says this plan is subject to the Form M-1 requirement for multiple-employer welfare arrangements.
Benefits declared on this filing
Also declared: prepaid legal, 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 12 insured contracts covering health, dental, vision, life and disability; the largest, with AETNA LIFE INSURANCE COMPANY, covers 5,761 people.
Reported premium across the insured contracts is $48,213,143, with $2,906,450 in disclosed broker commissions — about 6% of premium.
The most recent policy period ended in August, and the plan year ends August 31. Group contracts typically renew on that annual cycle.
HUB INTERNATIONAL INS SVCS INC. is the broker of record on 2 of the 12 contracts; the rest name a different broker or none.
9 carriers appear on the filing, including AETNA LIFE INSURANCE COMPANY, METROPOLITAN LIFE INSURANCE COMPANY, AETNA HEALTH OF CALIFORNIA INC. and METROPOLITAN GENERAL INSURANCE COMPANY. AETNA LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY | Health, Dental, Vision | 5,761 | Sep 1, 2025 | $41,397,070 | $2,082,574 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental, Vision, Life, Disability | 7,120 | Sep 1, 2025 | $5,453,233 | $615,712 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 1,387 | Sep 1, 2025 | $344,422 | $69,614 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 1,334 | Sep 1, 2025 | $236,970 | $57,519 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 2,168 | Sep 1, 2025 | $191,549 | $41,825 |
| AETNA HEALTH OF CALIFORNIA INC. | Health | 59 | Sep 1, 2025 | $418,834 | $24,820 |
| METROPOLITAN GENERAL INSURANCE COMPANY | — | 634 | Sep 1, 2025 | $126,504 | $13,360 |
| SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | Health, Dental | 23 | Sep 1, 2025 | $3,658 | $418 |
| SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | Health, Dental | 40 | Sep 1, 2025 | $4,273 | $399 |
| SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | Health, Dental | 18 | Sep 1, 2025 | $1,963 | $209 |
| AETNA BEHAVIORAL HEALTH, LLC | — | 2,697 | Sep 1, 2025 | $22,179 | $0 |
| HAWAII MEDICAL SERVICE ASSOCIATION | Health, Dental, Vision | 1 | Jul 1, 2025 | $12,488 | $0 |
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. We publish company names only.
Other plans filed by this employer
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