Form 5500 · Employee benefit plan · WILDWOOD, FL
FRESH MADE KITCHEN RESTAURANT GROUP, LLC
The filing calls this plan FRESH MADE KITCHEN RESTAURANT GROUP, LLC WELFARE BENEFIT PLAN.
FRESH MADE KITCHEN RESTAURANT GROUP, LLC of WILDWOOD, FL files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is BALDWIN KRYSTYN SHERMAN PARTNERS LL. Coverage is written through HEALTH OPTIONS and 2 other carriers. The plan's most recent policy period ended in March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 47-2312182 · plan 501 · plan year 2025, filed Sep 29, 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
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 3 insured contracts covering health, dental and vision; the largest, with HEALTH OPTIONS, covers 95 people.
Reported premium across the insured contracts is $924,663, with $56,236 in disclosed broker commissions — about 6.1% 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.
BALDWIN KRYSTYN SHERMAN PARTNERS LL is the broker of record on 2 of the 3 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including HEALTH OPTIONS, BLUE CROSS BLUE SHIELD OF FLORIDA and THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA. HEALTH OPTIONS writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HEALTH OPTIONS | Health | 95 | Apr 1, 2025 | $686,728 | $41,204 |
| BLUE CROSS BLUE SHIELD OF FLORIDA | Health | 19 | Apr 1, 2025 | $166,991 | $10,020 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision | 160 | Apr 1, 2025 | $70,944 | $5,012 |
Premium and claims on these contracts
HEALTH OPTIONS, contract B8358. For the contract year on this filing, the carrier reported $686,728 in premium earned and $518,617 in claims incurred. Dividing one by the other gives 76%.
BLUE CROSS BLUE SHIELD OF FLORIDA, contract B8358. For the contract year on this filing, the carrier reported $166,991 in premium earned and $123,489 in claims incurred. Dividing one by the other gives 74%.
- HEALTH OPTIONS, contract B8358 reported $168,111 in retention.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract B8358 reported $43,500 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.
How this plan compares
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