Form 5500 · Employee benefit plan · LAKELAND, FL
BANK OF CENTRAL FLORIDA
The filing calls this plan BANK OF CENTRAL FLORIDA GROUP INSURANCE PLAN (502).
Public Form 5500 records show how BANK OF CENTRAL FLORIDA of LAKELAND, FL, a finance and insurance employer, structures its employee benefits. Its broker of record is FOUNDATION RISK PARTNERS CORP. Coverage is written through SUN LIFE ASSURANCE COMPANY OF CANADA and 1 other carrier. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 20-8376899 · plan 502 · plan year 2025, filed Sep 17, 2026
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How this plan is funded
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
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 2 insured contracts covering dental, vision, life and disability; the largest, with SUN LIFE ASSURANCE COMPANY OF CANADA, covers 99 people.
Reported premium across the insured contracts is $173,857, with $13,534 in disclosed broker commissions — about 7.8% 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.
FOUNDATION RISK PARTNERS CORP is the broker of record on all 2 contracts.
Two carriers split the book: SUN LIFE ASSURANCE COMPANY OF CANADA and THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| SUN LIFE ASSURANCE COMPANY OF CANADA | Life, Disability | 99 | Jan 1, 2026 | $93,066 | $9,307 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision | 92 | Jan 1, 2026 | $80,791 | $4,227 |
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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