Form 5500 · Employee benefit plan · AVE MARIA, FL
AVE MARIA UNIVERSITY
The filing calls this plan AVE MARIA UNIVERSITY EMPLOYEE WELFARE BENEFIT PLAN.
AVE MARIA UNIVERSITY of AVE MARIA, 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 SUN LIFE ASSURANCE COMPANY OF CANADA and 4 other carriers. The plan's most recent policy period ended in October.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 03-0482006 · plan 510 · plan year 2025, filed May 20, 2026
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How this plan is funded
Self-funded as reported
The filing reports a stop-loss contract and no medical premium, which is what a plan that pays its own claims reports.
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 11 insured contracts covering health, dental, vision, life, disability and stop-loss; the largest, with SUN LIFE ASSURANCE COMPANY OF CANADA, covers 196 people.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium across the insured contracts is $941,819, with $95,292 in disclosed broker commissions — about 10% of premium.
The most recent policy period ended in October, and the plan year ends October 31. Group contracts typically renew on that annual cycle.
BROWN & BROWN INSURANCE SERVICES is the broker of record on 5 of the 11 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| SUN LIFE ASSURANCE COMPANY OF CANADA | Stop-loss | 196 | Nov 1, 2025 | $540,222 | $53,984 |
| PRINCIPAL LIFE INSURANCE COMPANY | Health, Dental | 592 | Nov 1, 2025 | $187,462 | $18,742 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 72 | Nov 1, 2025 | $26,123 | $3,918 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 260 | Nov 1, 2025 | $34,106 | $3,411 |
| VISION SERVICE PLAN | Vision | 182 | Nov 1, 2025 | $47,456 | $3,283 |
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | 58 | Nov 1, 2025 | $30,156 | $3,187 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 259 | Nov 1, 2025 | $29,741 | $2,974 |
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | 41 | Nov 1, 2025 | $22,894 | $2,682 |
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | Annuity / GIC | 64 | Nov 1, 2025 | $17,757 | $2,521 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 258 | Nov 1, 2025 | $5,902 | $590 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 0 | Nov 1, 2025 | — | $0 |
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.
Other plans filed by this employer
How this plan compares
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