Form 5500 · Employee benefit plan · WINTER GARDEN, FL
FRANKS DETAIL, INC
The filing calls this plan FRANKS DETAIL HEALTH AND WELFARE PLAN.
FRANKS DETAIL, INC of WINTER GARDEN, FL insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is MARSH & MCLENNAN AGENCY - BOUCHARD. Coverage is written through BLUE CROSS BLUE SHIELD OF FLORIDA and 1 other carrier. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-3471557 · plan 501 · plan year 2025, filed Jan 8, 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: 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.
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 61 people.
Reported premium across the insured contracts is $625,724, with $31,951 in disclosed broker commissions — about 5.1% of premium.
The most recent policy period ended in June, and the plan year ends June 30. Group contracts typically renew on that annual cycle.
MARSH & MCLENNAN AGENCY - BOUCHARD is the broker of record on 1 of the 2 contracts; the rest name a different broker or none.
Two carriers split the book: BLUE CROSS BLUE SHIELD OF FLORIDA and UNITED OF OMAHA LIFE INSURANCE COMPANY.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA | Health | 61 | Jul 1, 2025 | $542,013 | $19,639 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Dental, Vision, Life, Disability | 95 | Jul 1, 2025 | $83,711 | $12,312 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF FLORIDA, contract B7719. For the contract year on this filing, the carrier reported $542,013 in premium earned and $446,510 in claims incurred. Dividing one by the other gives 82%.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract B7719 reported $95,503 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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