Form 5500 · Employee benefit plan · MELBOURNE, FL
FLORIDA EYE ASSOCIATES, INC.
The filing calls this plan FLORIDA EYE ASSOCIATES HEALTH & WELFARE BENEFIT PLAN.
FLORIDA EYE ASSOCIATES, INC. of MELBOURNE, FL files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is THE ENTERPRISE TEAM. Coverage is written through HEALTH OPTIONS and 3 other carriers. The plan's most recent policy period ended in August.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-3401517 · plan 504 · plan year 2025, filed Dec 15, 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 8 insured contracts covering health, dental, life and disability; the largest, with HEALTH OPTIONS, covers 36 people.
Reported premium across the insured contracts is $1,525,040, with $40,350 in disclosed broker commissions — about 2.6% 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.
THE ENTERPRISE TEAM is the broker of record on 5 of the 8 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including HEALTH OPTIONS, FLORIDA HEALTH CARE PLANS, INC., STARMOUNT LIFE INSURANCE COMPANY and UNUM LIFE INSURANCE COMPANY OF AMERICA. HEALTH OPTIONS writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Disability | 65 | Sep 1, 2025 | $68,349 | $10,252 |
| STARMOUNT LIFE INSURANCE COMPANY | Dental | 100 | Sep 1, 2025 | $81,449 | $8,145 |
| HEALTH OPTIONS | Health | 36 | Sep 1, 2025 | $710,551 | $7,106 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 69 | Sep 1, 2025 | $37,914 | $5,687 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Disability | 15 | Sep 1, 2025 | $54,875 | $4,744 |
| HEALTH OPTIONS | Health | 25 | Sep 1, 2025 | $289,348 | $2,893 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 115 | Sep 1, 2025 | $15,323 | $1,523 |
| FLORIDA HEALTH CARE PLANS, INC. | Health | 39 | Sep 1, 2025 | $267,231 | $0 |
Premium and claims on these contracts
HEALTH OPTIONS, contract 49609. For the contract year on this filing, the carrier reported $710,551 in premium earned and $587,555 in claims incurred. Dividing one by the other gives 83%.
HEALTH OPTIONS, contract 49609. For the contract year on this filing, the carrier reported $289,348 in premium earned and $247,045 in claims incurred. Dividing one by the other gives 85%.
FLORIDA HEALTH CARE PLANS, INC., contract 00086600T56. For the contract year on this filing, the carrier reported $267,231 in premium earned and $70,231 in claims incurred. Dividing one by the other gives 26%.
- HEALTH OPTIONS, contract 49609 reported $122,997 in retention.
- HEALTH OPTIONS, contract 49609 reported $42,302 in retention.
- FLORIDA HEALTH CARE PLANS, INC., contract 00086600T56 reported $197,000 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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