Form 5500 · Employee benefit plan · TALLAHASSEE, FL
F&I SENTINEL, LLC
The filing calls this plan F&I SENTINEL, LLC WELFARE BENEFITS PLAN.
F&I SENTINEL, LLC of TALLAHASSEE, FL files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is BROWN & BROWN. Coverage is written through BLUE CROSS BLUE SHIELD OF FLORIDA and 1 other carrier. The plan's most recent policy period ended in February.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 82-4158568 · plan 501 · plan year 2026, filed Sep 16, 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.
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 2 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF FLORIDA, covers 101 people.
Reported premium across the insured contracts is $1,560,462, with $74,871 in disclosed broker commissions — about 4.8% of premium.
The most recent policy period ended in February, and the plan year ends February 28. Group contracts typically renew on that annual cycle.
BROWN & BROWN is the broker of record on all 2 contracts.
Two carriers split the book: BLUE CROSS BLUE SHIELD OF FLORIDA and PRINCIPAL LIFE INSURANCE COMPANY.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA | Health | 101 | Mar 1, 2026 | $1,432,877 | $57,315 |
| PRINCIPAL LIFE INSURANCE COMPANY | Health, Dental, Vision, Life, Disability | 209 | Mar 1, 2026 | $127,585 | $17,556 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF FLORIDA, contract J7435. For the contract year on this filing, the carrier reported $1,432,877 in premium earned and $1,107,327 in claims incurred. Dividing one by the other gives 77%.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract J7435 reported $325,550 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
How this plan compares
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