Form 5500 · Employee benefit plan · BRANDON, FL
APEC FOODS, LLC
The filing calls this plan APEC FOODS, LLC WELFARE BENEFIT PLAN.
APEC FOODS, LLC of BRANDON, FL files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is DIGITAL INSURANCE INC.. Coverage is written through TRULI and 2 other carriers. The plan's most recent policy period ended in May.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 47-3163167 · plan 501 · plan year 2025, filed Dec 11, 2025
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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
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 3 insured contracts covering health, dental and vision; the largest, with TRULI, covers 68 people.
Reported premium across the insured contracts is $676,146, with $41,482 in disclosed broker commissions — about 6.1% 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.
DIGITAL INSURANCE INC. is the broker of record on all 3 contracts.
3 carriers appear on the filing, including TRULI, HEALTH OPTIONS and UNITED OF OMAHA LIFE INSURANCE COMPANY. TRULI writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| TRULI | Health | 68 | Jun 1, 2025 | $518,178 | $31,091 |
| HEALTH OPTIONS | Health | 9 | Jun 1, 2025 | $125,267 | $5,818 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Dental, Vision | 58 | Jun 1, 2025 | $32,701 | $4,573 |
Premium and claims on these contracts
TRULI, contract J3568. For the contract year on this filing, the carrier reported $518,178 in premium earned and $406,614 in claims incurred. Dividing one by the other gives 78%.
HEALTH OPTIONS, contract J3568. For the contract year on this filing, the carrier reported $125,267 in premium earned and $96,005 in claims incurred. Dividing one by the other gives 77%.
- TRULI, contract J3568 reported $111,564 in retention.
- HEALTH OPTIONS, contract J3568 reported $29,262 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.
How this plan compares
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