Form 5500 · Employee benefit plan · MIAMI, FL
BANCO DE CREDITO E INVERSIONES SA DBA BCI MIAMI BRANCH
The filing calls this plan BCI MIAMI BRANCH EMPLOYEE WELFARE BENEFIT PLAN.
BANCO DE CREDITO E INVERSIONES SA DBA BCI MIAMI BRANCH of MIAMI, FL spreads its employee benefits across 5 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is HUB INTERNATIONAL FLORIDA - DAVIE. Coverage is written through AVMED and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 52-2166160 · plan 510 · plan year 2025, filed Jul 9, 2026
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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
Also declared: 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 12 insured contracts covering health, dental, vision, life and disability; the largest, with AVMED, covers 317 people.
Reported premium across the insured contracts is $2,773,709, with $164,503 in disclosed broker commissions — about 5.9% 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.
HUB INTERNATIONAL FLORIDA - DAVIE is the broker of record on 1 of the 12 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including AVMED, THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, TRANSAMERICA LIFE INSURANCE COMPANY and UNITED OF OMAHA LIFE INSURANCE COMPANY. AVMED writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| AVMED | Health | 317 | Jan 1, 2026 | $2,393,258 | $117,674 |
| TRANSAMERICA LIFE INSURANCE COMPANY | Health | 147 | Jan 1, 2026 | $90,045 | $11,471 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 169 | Jan 1, 2026 | $47,608 | $7,141 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 169 | Jan 1, 2026 | $40,984 | $6,148 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 170 | Jan 1, 2026 | $30,582 | $4,587 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision | 163 | Jan 1, 2026 | $91,010 | $3,367 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | — | 55 | Jan 1, 2026 | $16,825 | $3,365 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | — | 51 | Jan 1, 2026 | $16,849 | $3,080 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 55 | Jan 1, 2026 | $18,108 | $2,716 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | — | 64 | Jan 1, 2026 | $11,010 | $2,202 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 65 | Jan 1, 2026 | $12,908 | $1,936 |
| PREFERRED LEGAL | — | 47 | Jan 1, 2026 | $4,522 | $816 |
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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