Form 5500 · Employee benefit plan · OAKLAND PARK, FL
AMERICAN HEALTH REFORM SOLUTIONS
The filing calls this plan AMERICAN HEALTH REFORM SOLUTIONS, LLC WELFARE BENEFIT PLAN.
AMERICAN HEALTH REFORM SOLUTIONS of OAKLAND PARK, FL files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is BROWN & BROWN INSURANCE SERVICES. Coverage is written through BLUE CROSS BLUE SHIELD OF FLORIDA and 2 other carriers. The plan's most recent policy period ended in November.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 46-4127147 · plan 501 · plan year 2025, filed May 22, 2026
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151 other employer plans in Florida have policy years ending in November. 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.
Benefits declared on this filing
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.
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 3 insured contracts covering health, dental and vision; the largest, with BLUE CROSS BLUE SHIELD OF FLORIDA, covers 214 people.
Reported premium across the insured contracts is $2,118,642, with $127,715 in disclosed broker commissions — about 6% of premium.
The most recent policy period ended in November, and the plan year ends November 30. Group contracts typically renew on that annual cycle.
BROWN & BROWN INSURANCE SERVICES is the broker of record on 2 of the 3 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF FLORIDA, THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA and COLONIAL LIFE & ACCIDENT INSURANCE COMPANY. BLUE CROSS BLUE SHIELD OF FLORIDA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA | Health | 214 | Dec 1, 2025 | $1,828,807 | $76,836 |
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | 141 | Dec 1, 2025 | $109,893 | $29,655 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision | 301 | Dec 1, 2025 | $179,942 | $21,224 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF FLORIDA, contract K3059. For the contract year on this filing, the carrier reported $1,828,807 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract K3059 reported $417,882 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
How this plan compares
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Renewal calendar
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