Form 5500 · Employee benefit plan · DORAL, FL
GUIDEWELL SANITAS LLC
The filing calls this plan GUIDEWELL SANITAS LLC WELFARE BENEFIT PLAN.
GUIDEWELL SANITAS LLC of DORAL, FL spreads its employee benefits across 7 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is TOMORROWS SOLUTION, INC.. Coverage is written through HEALTH OPTIONS and 6 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 47-1782812 · plan 501 · plan year 2025, filed Jul 6, 2026
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
2,208 other employer plans in Florida have policy years ending in December. 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.
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, vision, life and disability; the largest, with HEALTH OPTIONS, covers 710 people.
Reported premium across the insured contracts is $22,630,916, with $213,654 in disclosed broker commissions — about 0.9% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in November. The plan is on a split renewal cycle.
TOMORROWS SOLUTION, INC. is the broker of record on 2 of the 8 contracts; the rest name a different broker or none.
7 carriers appear on the filing, including HEALTH OPTIONS, BLUE CROSS BLUE SHIELD OF FLORIDA, USABLE LIFE and FLORIDA COMBINED LIFE. HEALTH OPTIONS writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | 1,014 | Jan 1, 2026 | $437,207 | $211,036 |
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | 1,795 | Jan 1, 2026 | $4,152 | $1,863 |
| NATIONAL UNION FIRE INSURANCE COMPANY | — | 1,795 | Nov 20, 2025 | $5,036 | $755 |
| HEALTH OPTIONS | Health | 710 | Jan 1, 2026 | $10,680,070 | $0 |
| BLUE CROSS BLUE SHIELD OF FLORIDA | Health | 366 | Jan 1, 2026 | $6,739,816 | $0 |
| USABLE LIFE | Life, Disability | 1,796 | Jan 1, 2026 | $3,895,072 | $0 |
| FLORIDA COMBINED LIFE | Health, Dental | 1,065 | Jan 1, 2026 | $701,124 | $0 |
| BLUE CROSS BLUE SHIELD OF FLORIDA | Vision | 896 | Jan 1, 2026 | $168,439 | $0 |
Premium and claims on these contracts
HEALTH OPTIONS, contract B8153. For the contract year on this filing, the carrier reported $10,680,070 in premium earned and $9,758,380 in claims incurred. Dividing one by the other gives 91%.
BLUE CROSS BLUE SHIELD OF FLORIDA, contract B8153. For the contract year on this filing, the carrier reported $6,739,816 in premium earned and $6,158,169 in claims incurred. Dividing one by the other gives 91%.
- HEALTH OPTIONS, contract B8153 reported $921,690 in retention.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract B8153 reported $581,646 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
Subscribers see how this compares with similar plans in Florida. A subscription also adds this plan's filing history and the renewal calendar for its state. See plans and prices
Without an account you can open 10 employer, broker and carrier pages a day, including through an AI assistant, and 50 a day with a free account. Paid plans are what keep these records free to read.
Renewal calendar
2,208 other employer plans in Florida are January 1 renewals (policy year ends December).
Their policy years end in December, like this plan’s, so most renew January 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
Claude & ChatGPT
Look up records from Claude or ChatGPT
Add Form5500Lookup to Claude or ChatGPT and ask about any employer, broker or carrier in plain English. Lookups are free. Renewal lists, full books of business and exports are included with a subscription.
Building a list or a tool from these records? Match a list you already have from $29 per 1,000 records, or license the whole dataset as a weekly file for $499 a month. See both
More employer plans in Florida — largest plans, brokers, carriers and renewal months.