Form 5500 · Employee benefit plan · BOCA RATON, FL
ADT LLC
The filing calls this plan ADT HEALTH AND WELFARE BENEFITS PLAN.
Public Form 5500 records show how ADT LLC of BOCA RATON, FL, a administrative and support services employer, structures its employee benefits. Its broker of record is LOCKTON COMPANIES, LLC. Coverage is written through KAISER FOUNDATION HEALTH PLAN, INC. and 12 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 45-4343781 · plan 501 · plan year 2025, filed Jul 21, 2026
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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
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Health: the largest of the 4 insured health contracts, with KAISER FOUNDATION HEALTH PLAN, INC., covers 719 of 12,541 participants (5.7%) on Schedule A.
Also declared: prepaid legal, death benefits, 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 13 insured contracts covering health, dental, vision, life and disability.
Reported premium across the insured contracts is $14,474,018, with $1,509,354 in disclosed broker commissions — about 10% 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.
LOCKTON COMPANIES, LLC is the broker of record on 7 of the 13 contracts; the rest name a different broker or none.
13 carriers appear on the filing, including KAISER FOUNDATION HEALTH PLAN, INC., RELIANCE STANDARD LIFE INSURANCE COMPANY, PRUDENTIAL INSURANCE COMPANY OF AMERICA and EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO.. KAISER FOUNDATION HEALTH PLAN, INC. writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Disability | 6,873 | Jan 1, 2026 | $3,995,480 | $1,122,247 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Life | 11,966 | Jan 1, 2026 | $3,735,504 | $234,944 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | Vision | 10,641 | Jan 1, 2026 | $790,018 | $83,466 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | Disability | 131 | Jan 1, 2026 | $105,612 | $26,928 |
| ARAG INSURANCE COMPANY | — | 2,590 | Jan 1, 2026 | $267,613 | $26,762 |
| MCS LIFE INSURANCE COMPANY | Health, Dental, Vision, Life | 15 | Jan 1, 2026 | $165,524 | $9,223 |
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | 303 | Jan 1, 2026 | $172,517 | $5,784 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 719 | Jan 1, 2026 | $4,515,414 | $0 |
| DELTA DENTAL INSURANCE COMPANY | Dental | 2,398 | Jan 1, 2026 | $483,221 | $0 |
| MAGELLAN HEALTHCARE | — | 11,974 | Jan 1, 2026 | $161,790 | $0 |
| UNIVERSITY HEALTH ALLIANCE | Health, Vision | 7 | Jan 1, 2026 | $41,726 | $0 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 12 | Jan 1, 2026 | $23,956 | $0 |
| HARTFORD LIFE AND ACCIDENT | — | 11,966 | Jan 1, 2026 | $15,643 | $0 |
Premium and claims on this contract
MCS LIFE INSURANCE COMPANY, contract 791773. For the contract year on this filing, the carrier reported $165,524 in premium earned and $108,476 in claims incurred. Dividing one by the other gives 66%.
- MCS LIFE INSURANCE COMPANY, contract 791773 reported $9,223 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.
Other plans filed by this employer
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