Form 5500 · Employee benefit plan · CLEARWATER, FL
FRANKCRUM 11, INC.
The filing calls this plan FRANKCRUM WELFARE BENEFIT PLAN.
FRANKCRUM 11, INC. of CLEARWATER, FL spreads its employee benefits across 7 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is FRANKCRUM INSURANCE AGENCY INC. Coverage is written through AETNA LIFE INSURANCE COMPANY and 6 other carriers. The plan's most recent policy period ended in October.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-2626531 · plan 501 · plan year 2024, filed Oct 10, 2025
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151 other employer plans in Florida have policy years ending in October. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
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.
The filing says this plan is subject to the Form M-1 requirement for multiple-employer welfare arrangements.
Benefits declared on this filing
Also declared: 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 10 insured contracts covering health, dental, vision, life and disability; the largest, with AETNA LIFE INSURANCE COMPANY, covers 11,595 people.
Reported premium across the insured contracts is $47,739,863, with $1,351,698 in disclosed broker commissions — about 2.8% of premium.
The most recent policy period ended in October, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
FRANKCRUM INSURANCE AGENCY INC is the broker of record on 8 of the 10 contracts; the rest name a different broker or none.
7 carriers appear on the filing, including AETNA LIFE INSURANCE COMPANY, METROPOLITAN LIFE INSURANCE COMPANY, SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION and SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION. AETNA LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY | Dental, Vision, Life, Disability | 9,188 | Nov 1, 2024 | $6,062,092 | $893,115 |
| AETNA LIFE INSURANCE COMPANY | Health | 11,595 | Nov 1, 2024 | $40,714,356 | $316,009 |
| METROPOLITAN LIFE INSURANCE COMPANY | Health | 645 | Nov 1, 2024 | $235,428 | $44,539 |
| METROPOLITAN LIFE INSURANCE COMPANY | Health | 2,017 | Nov 1, 2024 | $187,089 | $35,264 |
| SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | Health, Dental | 995 | Nov 1, 2024 | $178,558 | $26,080 |
| METROPOLITAN LIFE INSURANCE COMPANY | Health | 998 | Nov 1, 2024 | $279,409 | $25,279 |
| SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | Health, Dental | 447 | Nov 1, 2024 | $70,224 | $10,213 |
| AFLAC | Health, Vision, Life, Disability | 11 | Nov 1, 2024 | $8,343 | $720 |
| SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | Health, Dental | 18 | Nov 1, 2024 | $2,556 | $314 |
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | Life | 11 | Nov 1, 2024 | $1,808 | $165 |
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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