Form 5500 · Employee benefit plan · WINTER HAVEN, FL
FLORIDA CAN MANUFACTURING, LLC
The filing calls this plan FLORIDA CAN MANUFACTURING, LLC HEALTH AND WELFARE PLAN.
FLORIDA CAN MANUFACTURING, LLC of WINTER HAVEN, FL spreads its employee benefits across 6 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is MARSH AND MCLENNAN AGENCY, LLC. Coverage is written through HEALTH OPTIONS and 5 other carriers. The plan's most recent policy period ended in March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 84-3908221 · plan 501 · plan year 2025, filed Oct 17, 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.
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 HEALTH OPTIONS, covers 110 people.
Reported premium across the insured contracts is $1,410,656, with $101,763 in disclosed broker commissions — about 7.2% of premium.
The most recent policy period ended in March, and the plan year ends March 31. Group contracts typically renew on that annual cycle.
MARSH AND MCLENNAN AGENCY, LLC is the broker of record on all 6 contracts.
6 carriers appear on the filing, including HEALTH OPTIONS, UNITED OF OMAHA LIFE INSURANCE COMPANY, COLONIAL LIFE & ACCIDENT INSURANCE COMPANY and STANDARD INSURANCE COMPANY. HEALTH OPTIONS writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HEALTH OPTIONS | Health | 110 | Apr 1, 2025 | $1,132,931 | $56,647 |
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | 107 | Apr 1, 2025 | $64,283 | $21,145 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life, Disability | 153 | Apr 1, 2025 | $95,824 | $14,374 |
| STANDARD INSURANCE COMPANY | Dental, Vision | 133 | Apr 1, 2025 | $60,730 | $6,073 |
| BLUE CROSS BLUE SHIELD OF FLORIDA | Health | 0 | Apr 1, 2025 | $43,297 | $2,165 |
| SOLSTICE BENEFITS, INC | Dental | 97 | Apr 1, 2025 | $13,591 | $1,359 |
Premium and claims on these contracts
HEALTH OPTIONS, contract K8382. For the contract year on this filing, the carrier reported $1,132,931 in premium earned and $947,810 in claims incurred. Dividing one by the other gives 84%.
STANDARD INSURANCE COMPANY, contract 763206. For the contract year on this filing, the carrier reported $60,730 in premium earned and $32,110 in claims incurred. Dividing one by the other gives 53%.
BLUE CROSS BLUE SHIELD OF FLORIDA, contract K8382. For the contract year on this filing, the carrier reported $43,297 in premium earned and $36,066 in claims incurred. Dividing one by the other gives 83%.
- HEALTH OPTIONS, contract K8382 reported $185,121 in retention.
- STANDARD INSURANCE COMPANY, contract 763206 reported $29,602 in retention.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract K8382 reported $7,231 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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