Form 5500 · Employee benefit plan · ST PETERSBURG, FL
PAYCHEX BUSINESS SOLUTIONS LLC
The filing calls this plan PAYCHEX BUSINESS SOLUTIONS LLC EMPLOYEE WELFARE BENEFIT PLAN.
PAYCHEX BUSINESS SOLUTIONS LLC of ST PETERSBURG, FL files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is COMPASS CONSULTING GROUP LLC. Coverage is written through AETNA LIFE INSURANCE COMPANY and 15 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-2693969 · plan 501 · plan year 2024, filed Sep 12, 2025
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2,208 other employer plans in Florida have policy years ending in December. 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
Disability: the largest of the 7 insured disability contracts, with METROPOLITAN LIFE INSURANCE COMPANY, covers 17,402 of 197,994 participants (8.8%) on Schedule A.
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 26 insured contracts covering health, dental, vision, life and disability; the largest, with AETNA LIFE INSURANCE COMPANY, covers 111,658 people.
Reported premium across the insured contracts is $689,576,165, with $6,408,449 in disclosed broker commissions — about 0.9% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
COMPASS CONSULTING GROUP LLC is the broker of record on 4 of the 26 contracts; the rest name a different broker or none.
16 carriers appear on the filing, including AETNA LIFE INSURANCE COMPANY, BLUE CROSS BLUE SHIELD OF FLORIDA, BLUECROSS BLUESHIELD OF TEXAS and TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC.. AETNA LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA | Health | 9,680 | Jan 1, 2025 | $139,116,793 | $1,135,819 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 148,235 | Jan 1, 2025 | $15,149,365 | $1,050,953 |
| METROPOLITAN LIFE INSURANCE COMPANY | Disability | 17,402 | Jan 1, 2025 | $8,870,001 | $1,021,769 |
| HEALTH OPTIONS | Health | 6,485 | Jan 1, 2025 | $55,142,785 | $776,705 |
| METROPOLITAN LIFE INSURANCE COMPANY | Disability | 18,766 | Jan 1, 2025 | $3,387,838 | $749,830 |
| BLUECROSS BLUESHIELD OF TEXAS | Health | 10,707 | Jan 1, 2025 | $68,747,045 | $721,231 |
| METROPOLITAN LIFE INSURANCE COMPANY | Disability | 20,284 | Jan 1, 2025 | $3,768,854 | $503,275 |
| METROPOLITAN GENERAL INSURANCE COMPANY | — | 10,493 | Jan 1, 2025 | $2,008,102 | $175,822 |
| METROPOLITAN LIFE INSURANCE COMPANY | Disability | 5,486 | Jan 1, 2025 | $1,366,983 | $173,507 |
| METROPOLITAN LIFE INSURANCE COMPANY | Disability | 0 | Jan 1, 2025 | — | $56,827 |
| NATIONAL GUARDIAN LIFE INSURANCE COMPANY | — | 562 | Jan 1, 2025 | $336,160 | $22,523 |
| METROPOLITAN LIFE INSURANCE COMPANY | Disability | 0 | Jan 1, 2025 | — | $16,771 |
| FEDERAL LIFE INSURANCE COMPANY | — | 288 | Jan 1, 2025 | $97,620 | $3,417 |
| AETNA LIFE INSURANCE COMPANY | Health, Dental, Vision | 111,658 | Jan 1, 2025 | $248,965,052 | $0 |
| TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | Health | 853 | Jan 1, 2025 | $63,054,867 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental | 99,460 | Jan 1, 2025 | $34,280,484 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 2,695 | Jan 1, 2025 | $19,171,456 | $0 |
| AETNA HEALTH, INC. | Health | 2,321 | Jan 1, 2025 | $11,587,052 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 856 | Jan 1, 2025 | $6,536,463 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Disability | 13,561 | Jan 1, 2025 | $3,395,198 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | Health | 287 | Jan 1, 2025 | $1,679,898 | $0 |
| BANNER HEALTH AND AETNA HEALTH | Health | 254 | Jan 1, 2025 | $1,257,376 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF COLORADO | Health | 208 | Jan 1, 2025 | $1,056,433 | $0 |
| EMPLOYEE NETWORK, INC. | — | 5,565 | Jan 1, 2025 | $326,900 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 18 | Jan 1, 2025 | $192,227 | $0 |
| TEXAS HEALTH AND AETNA HEALTH | Health | 22 | Jan 1, 2025 | $81,213 | $0 |
Premium and claims on these contracts
BLUE CROSS BLUE SHIELD OF FLORIDA, contract 98801. For the contract year on this filing, the carrier reported $139,116,793 in premium earned and $108,910,195 in claims incurred. Dividing one by the other gives 78%.
METROPOLITAN LIFE INSURANCE COMPANY, contract 0252948. For the contract year on this filing, the carrier reported $15,149,365 in premium earned and $13,117,150 in claims incurred. Dividing one by the other gives 87%.
METROPOLITAN LIFE INSURANCE COMPANY, contract 0252950. For the contract year on this filing, the carrier reported $8,869,998 in premium earned and $4,848,576 in claims incurred. Dividing one by the other gives 55%.
HEALTH OPTIONS, contract 98801. For the contract year on this filing, the carrier reported $55,142,785 in premium earned and $44,628,163 in claims incurred. Dividing one by the other gives 81%.
METROPOLITAN LIFE INSURANCE COMPANY, contract 0231860. For the contract year on this filing, the carrier reported $34,280,484 in premium earned and $27,156,508 in claims incurred. Dividing one by the other gives 79%.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract 98801 reported $8,619,865 in retention.
- METROPOLITAN LIFE INSURANCE COMPANY, contract 0252948 reported $5,386,041 in retention.
- METROPOLITAN LIFE INSURANCE COMPANY, contract 0252950 reported $3,287,311 in retention.
- HEALTH OPTIONS, contract 98801 reported $5,916,713 in retention.
- METROPOLITAN LIFE INSURANCE COMPANY, contract 0231860 reported $4,310,412 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. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 164 employees, 0 recordable cases, 0 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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