Form 5500 · Employee benefit plan · TAMPA, FL
BDG ARCHITECTS LLP
Public Form 5500 records show how BDG ARCHITECTS LLP of TAMPA, FL, a construction employer, structures its employee benefits. Its broker of record is ACRISURE SOUTHEAST PARTNERS. Coverage is written through BLUE CROSS BLUE SHIELD OF FLORIDA and 2 other carriers. The plan's most recent policy period ended in April.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-3730398 · plan 501 · plan year 2025, filed Sep 24, 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 5 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF FLORIDA, covers 68 people.
Reported premium across the insured contracts is $1,098,634, with $60,566 in disclosed broker commissions — about 5.5% of premium.
The most recent policy period ended in April, and the plan year ends April 30. Group contracts typically renew on that annual cycle.
ACRISURE SOUTHEAST PARTNERS is the broker of record on 3 of the 5 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF FLORIDA, HEALTH OPTIONS and PRINCIPAL LIFE INSURANCE COMPANY. BLUE CROSS BLUE SHIELD OF FLORIDA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | Health, Dental, Vision, Life, Disability | 198 | May 1, 2025 | $131,042 | $15,658 |
| BLUE CROSS BLUE SHIELD OF FLORIDA | Health | 68 | May 1, 2025 | $309,521 | $15,360 |
| BLUE CROSS BLUE SHIELD OF FLORIDA | Health | 68 | May 1, 2025 | $298,709 | $14,997 |
| HEALTH OPTIONS | Health | 34 | May 1, 2025 | $185,758 | $9,301 |
| HEALTH OPTIONS | Health | 34 | May 1, 2025 | $173,604 | $5,250 |
Premium and claims on these contracts
BLUE CROSS BLUE SHIELD OF FLORIDA, contract K8670. For the contract year on this filing, the carrier reported $309,521 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
BLUE CROSS BLUE SHIELD OF FLORIDA, contract K8670. For the contract year on this filing, the carrier reported $298,709 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
HEALTH OPTIONS, contract K8670. For the contract year on this filing, the carrier reported $185,758 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
HEALTH OPTIONS, contract K8670. For the contract year on this filing, the carrier reported $173,604 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract K8670 reported $54,817 in retention.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract K8670 reported $52,901 in retention.
- HEALTH OPTIONS, contract K8670 reported $26,768 in retention.
- HEALTH OPTIONS, contract K8670 reported $25,017 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.
Other plans filed by this employer
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