Form 5500 · Employee benefit plan · LABELLE, FL
CAPLING LEVELING
The filing calls this plan CAPLING LEVELING EMPLOYEE HEALTH CARE PLAN.
Public Form 5500 records show how CAPLING LEVELING of LABELLE, FL, a construction employer, structures its employee benefits. Its broker of record is J DONOVAN FINANCIAL. Coverage is written through NATIONAL HEALTH INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in January.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 26-4712539 · plan 501 · plan year 2026, filed Aug 25, 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.
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 3 insured contracts covering health, dental, vision, life, disability and stop-loss; the largest, with NATIONAL HEALTH INSURANCE COMPANY, covers 166 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 $1,210,047, with $78,595 in disclosed broker commissions — about 6.5% of premium.
The most recent policy period ended in January, and the plan year ends January 31. Group contracts typically renew on that annual cycle.
J DONOVAN FINANCIAL is the broker of record on 1 of the 3 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| NATIONAL HEALTH INSURANCE COMPANY | Health, Stop-loss | 166 | Feb 1, 2026 | $1,051,361 | $58,881 |
| AFLAC | Health, Life, Disability | 102 | Feb 1, 2026 | $76,116 | $16,116 |
| HUMANA INSURANCE COMPANY | Health, Dental, Vision | 187 | Feb 1, 2026 | $82,570 | $3,598 |
Premium and claims on this contract
NATIONAL HEALTH INSURANCE COMPANY, contract L231372. For the contract year on this filing, the carrier reported $1,051,361 in premium earned and $665,236 in claims incurred. Dividing one by the other gives 63%.
- NATIONAL HEALTH INSURANCE COMPANY, contract L231372 reported $386,125 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.
Other plans filed by this employer
How this plan compares
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