Form 5500 · Employee benefit plan · DANIA BEACH, FL
FIRSTSERVICE RESIDENTIAL INC.
The filing calls this plan FIRSTSERVICE RESIDENTIAL, INC. HEALTH AND WELFARE PLAN.
FIRSTSERVICE RESIDENTIAL INC. of DANIA BEACH, FL is a 15,450-participant real estate employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is BUCK GLOBAL, LLC. Coverage is written through KAISER FOUNDATION HEALTH PLAN, INC. and 8 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 16-1682850 · plan 501 · plan year 2025, filed Jun 22, 2026
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2,208 other employer plans in Florida have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
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
Health: the largest of the 3 insured health contracts, with KAISER FOUNDATION HEALTH PLAN, INC., covers 804 of 15,450 participants (5.2%) on Schedule A.
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 11 insured contracts covering health, dental, vision, life, disability and stop-loss.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium across the insured contracts is $18,085,604, with $1,436,493 in disclosed broker commissions — about 7.9% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in November. The plan is on a split renewal cycle.
BUCK GLOBAL, LLC is the broker of record on 9 of the 11 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HARTFORD LIFE AND ACCIDENT | Life, Disability | 13,755 | Jan 1, 2025 | $4,112,911 | $400,577 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 804 | Jan 1, 2025 | $6,909,391 | $342,318 |
| AETNA LIFE INSURANCE COMPANY | Health | 3,683 | Jan 1, 2025 | $1,135,284 | $204,486 |
| AETNA LIFE INSURANCE COMPANY | Stop-loss | 7,760 | Jan 1, 2025 | $1,654,125 | $163,047 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 295 | Jan 1, 2025 | $2,522,510 | $123,652 |
| DELTA DENTAL INSURANCE COMPANY | Dental | 4,262 | Dec 1, 2025 | $578,497 | $57,829 |
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | Life | 193 | Jan 1, 2025 | $170,740 | $48,528 |
| NORTONLIFELOCK INC. | — | 791 | Dec 1, 2025 | $111,679 | $42,968 |
| VISION SERVICE PLAN | Vision | 6,791 | Dec 1, 2025 | $683,017 | $33,983 |
| METROPOLITAN GENERAL INSURANCE COMPANY | — | 847 | Jan 1, 2025 | $187,981 | $19,105 |
| HEALTH AND RESOURCE CENTER | — | 1,280 | Jan 1, 2025 | $19,469 | $0 |
Premium and claims on this contract
VISION SERVICE PLAN, contract 30020368. For the contract year on this filing, the carrier reported $683,017 in premium earned and $550,951 in claims incurred. Dividing one by the other gives 81%.
- VISION SERVICE PLAN, contract 30020368 reported $123,736 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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