Form 5500 · Employee benefit plan · NAPLES, FL
ARTHREX, INC
The filing calls this plan ARTHREX INC HEALTH PLAN.
ARTHREX, INC of NAPLES, FL is a 6,795-participant manufacturing employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is BROWN&BROWN INSURANCE SERVICES, INC. Coverage is written through BLUE CROSS BLUE SHIELD OF FLORIDA and 6 other carriers. The plan's most recent policy period ended in May.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 06-1121728 · plan 501 · plan year 2025, filed Aug 19, 2026
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200 other employer plans in Florida have policy years ending in May. 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.
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
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.
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 10 insured contracts covering health, dental, vision, life, disability and stop-loss; the largest, with BLUE CROSS BLUE SHIELD OF FLORIDA, covers 7,228 people.
The filing lists a stop-loss contract. On its own that does not settle whether the plan pays its own claims.
Reported premium across the insured contracts is $104,343,637, with $598,056 in disclosed broker commissions — about 0.6% of premium.
The health contract's policy period ended in May, while at least one ancillary line's policy period ended in December. The plan is on a split renewal cycle.
BROWN&BROWN INSURANCE SERVICES, INC is the broker of record on 7 of the 10 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 2,308 | Jan 1, 2026 | $1,365,484 | $136,548 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 7,194 | Jan 1, 2026 | $1,388,389 | $118,513 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision | 7,280 | Jan 1, 2026 | $1,171,965 | $117,824 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | Stop-loss | 7,089 | Jan 1, 2026 | $1,241,022 | $86,871 |
| UNUM INSURANCE COMPANY | — | 819 | Jan 1, 2026 | $255,787 | $51,228 |
| UNUM INSURANCE COMPANY | — | 747 | Jan 1, 2026 | $255,583 | $51,212 |
| UNUM INSURANCE COMPANY | — | 851 | Jan 1, 2026 | $139,906 | $28,178 |
| FOUR EVER LIFE INS CO. | Health | 0 | Jun 1, 2025 | $67,986 | $6,799 |
| FIRST UNUM LIFE INSURANCE COMPANY | — | 16 | Jan 1, 2026 | $5,884 | $883 |
| BLUE CROSS BLUE SHIELD OF FLORIDA | Health | 7,228 | Jan 1, 2026 | $98,451,631 | $0 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF FLORIDA, contract 71-60203. For the contract year on this filing, the carrier reported $98,451,631 in premium earned and $94,099,040 in claims incurred. Dividing one by the other gives 96%.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract 71-60203 reported $4,352,591 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. The service providers are named on Schedule C of this filing. We publish company names only.
Other plans filed by this employer
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