Form 5500 · Employee benefit plan · MIAMI GARDENS, FL
CENTER FOR FAMILY AND CHILD ENRICHMENT, INC
The filing calls this plan CENTER FOR FAMILY AND CHILD ENRICHMENT INC EMPLOYEE BENEFITS PLAN.
Public Form 5500 records show how CENTER FOR FAMILY AND CHILD ENRICHMENT, INC of MIAMI GARDENS, FL, a health care and social assistance employer, structures its employee benefits. Its broker of record is STEVEN MARK ABRAMS. Coverage is written through SUN LIFE ASSURANCE COMPANY OF CANADA and 4 other carriers. The plan's most recent policy period ended in August.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-1775062 · plan 501 · plan year 2025, filed Feb 27, 2026
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How this plan is funded
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
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: prepaid legal, 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 5 insured contracts covering health, dental, vision and life; the largest, with SUN LIFE ASSURANCE COMPANY OF CANADA, covers 73 people.
Reported premium across the insured contracts is $303,766, with $33,168 in disclosed broker commissions — about 11% of premium.
The most recent policy period ended in August, and the plan year ends August 31. Group contracts typically renew on that annual cycle.
STEVEN MARK ABRAMS is the broker of record on 1 of the 5 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including SUN LIFE ASSURANCE COMPANY OF CANADA, AFLAC, HEALTH OPTIONS and COLONIAL LIFE & ACCIDENT INSURANCE COMPANY. SUN LIFE ASSURANCE COMPANY OF CANADA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| AFLAC | — | 32 | Sep 1, 2025 | $93,111 | $13,851 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | Dental, Vision, Life | 73 | Sep 1, 2025 | $108,208 | $12,176 |
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | 8 | Sep 1, 2025 | $35,827 | $4,039 |
| HEALTH OPTIONS | Health | 37 | Sep 1, 2025 | $62,041 | $3,102 |
| BLUE CROSS BLUE SHIELD OF FLORIDA | Health | 2 | Sep 1, 2025 | $4,579 | $0 |
Premium and claims on these contracts
HEALTH OPTIONS, contract K9737. For the contract year on this filing, the carrier reported $62,041 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
BLUE CROSS BLUE SHIELD OF FLORIDA, contract K9737. For the contract year on this filing, the carrier reported $4,579 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
- HEALTH OPTIONS, contract K9737 reported $9,349 in retention.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract K9737 reported $530 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.
Reported to OSHA
Reported to OSHA for 2025: 105 employees, 4 recordable cases, 11 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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