Form 5500 · Employee benefit plan · WINTER PARK, FL
GALE HEALTHCARE SOLUTIONS
The filing calls this plan GALE EMPLOYEE BENEFIT PLAN.
GALE HEALTHCARE SOLUTIONS of WINTER PARK, FL insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is ACRISURE LLC. Coverage is written through UNITEDHEALTHCARE INSURANCE COMPANY and 4 other carriers. The plan's most recent policy period ended in February.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 87-1562257 · plan 511 · plan year 2025, filed Sep 16, 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
Disability: AMERICAN UNITED LIFE INSURANCE COMPANY covers 13 of 178 participants (7.3%) on Schedule A.
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 7 insured contracts covering health, dental, vision, life and disability.
Reported premium across the insured contracts is $488,316, with $14,802 in disclosed broker commissions — about 3% of premium.
The health contract's policy period ended in February, while at least one ancillary line's policy period ended in December. The plan is on a split renewal cycle.
ACRISURE LLC is the broker of record on 1 of the 7 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including UNITEDHEALTHCARE INSURANCE COMPANY, AMERITAS LIFE INSURANCE CORP., AMERICAN UNITED LIFE INSURANCE COMPANY and STANDARD INSURANCE COMPANY. UNITEDHEALTHCARE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| AMERICAN UNITED LIFE INSURANCE COMPANY | Disability | 13 | Mar 1, 2025 | $26,960 | $5,392 |
| STANDARD INSURANCE COMPANY | Life | 124 | Mar 1, 2025 | $24,622 | $2,470 |
| AMERITAS LIFE INSURANCE CORP. | Dental, Vision | 92 | Jan 1, 2025 | $40,516 | $2,463 |
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | 17 | Jan 1, 2025 | $10,756 | $2,148 |
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | 18 | Jan 1, 2025 | $5,589 | $2,053 |
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | 37 | Jan 1, 2025 | $2,496 | $276 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 22 | Mar 1, 2025 | $377,377 | $0 |
Premium and claims on this contract
STANDARD INSURANCE COMPANY, contract 760796. For the contract year on this filing, the carrier reported $13,421 in premium earned and $-4,611 in claims incurred. Dividing one by the other gives -34%.
- STANDARD INSURANCE COMPANY, contract 760796 reported $18,033 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.
How this plan compares
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