Form 5500 · Employee benefit plan · MEDLEY, FL
CENTRAL CIVIL CONSTRUCTION CO.
The filing calls this plan CENTRAL CIVIL CONSTRUCTION CO. WELFARE PLAN.
Public Form 5500 records show how CENTRAL CIVIL CONSTRUCTION CO. of MEDLEY, FL, a construction employer, structures its employee benefits. Its broker of record is USI INSURANCE SERVICES LLC. Coverage is written through AVMED and 5 other carriers. The plan's most recent policy period ended in July.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-1782227 · plan 501 · plan year 2025, filed Dec 19, 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
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 6 insured contracts covering health, dental, vision, life and disability; the largest, with AVMED, covers 241 people.
Reported premium across the insured contracts is $1,657,777, with $102,867 in disclosed broker commissions — about 6.2% of premium.
The most recent policy period ended in July, and the plan year ends July 31. Group contracts typically renew on that annual cycle.
USI INSURANCE SERVICES LLC is the broker of record on 3 of the 6 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including AVMED, COLONIAL LIFE & ACCIDENT INSURANCE COMPANY, HUMANA INSURANCE COMPANY and STANDARD INSURANCE COMPANY. AVMED writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| AVMED | Health | 241 | Aug 1, 2025 | $1,360,304 | $49,666 |
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | 133 | Aug 1, 2025 | $137,110 | $37,484 |
| HUMANA INSURANCE COMPANY | Dental, Vision | 120 | Aug 1, 2025 | $81,481 | $8,165 |
| STANDARD INSURANCE COMPANY | Life, Disability | 217 | Aug 1, 2025 | $64,539 | $6,460 |
| COMPBENEFITS COMPANY | Dental | 67 | Aug 1, 2025 | $10,893 | $1,092 |
| MANAGED CARE CONCEPTS | — | 170 | Aug 1, 2025 | $3,450 | $0 |
Premium and claims on this contract
STANDARD INSURANCE COMPANY, contract 169282. For the contract year on this filing, the carrier reported $64,539 in premium earned and $8,310 in claims incurred. Dividing one by the other gives 13%.
- STANDARD INSURANCE COMPANY, contract 169282 reported $56,235 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: 158 employees, 3 recordable cases, 0 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
How this plan compares
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