Form 5500 · Employee benefit plan · MIAMI, FL
HAMILTON, MILLER & BIRTHISEL LLP
The filing calls this plan HAMILTON & MILLER, P.A. HEALTH & WELFARE PLAN.
Public Form 5500 records show how HAMILTON, MILLER & BIRTHISEL LLP of MIAMI, FL, a professional services employer, structures its employee benefits. Its broker of record is BROWN & BROWN OF FLORIDA. Coverage is written through BLUE CROSS BLUE SHIELD OF FLORIDA and 6 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 20-5508291 · plan 501 · plan year 2025, filed Jul 29, 2026
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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: 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 BLUE CROSS BLUE SHIELD OF FLORIDA, covers 142 people.
Reported premium across the insured contracts is $2,055,748, with $172,336 in disclosed broker commissions — about 8.4% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in February. The plan is on a split renewal cycle.
BROWN & BROWN OF FLORIDA is the broker of record on 2 of the 10 contracts; the rest name a different broker or none.
7 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF FLORIDA, HEALTH OPTIONS, METROPOLITAN LIFE INSURANCE COMPANY and UNITED OF OMAHA LIFE INSURANCE COMPANY. BLUE CROSS BLUE SHIELD OF FLORIDA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA | Health | 142 | Jan 1, 2026 | $1,164,597 | $69,876 |
| HEALTH OPTIONS | Health | 53 | Jan 1, 2026 | $478,156 | $28,689 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 228 | Feb 2, 2025 | $115,748 | $23,150 |
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | Disability | 53 | Jan 1, 2026 | $35,331 | $17,689 |
| TRANSAMERICA INSURANCE CO. | Health | 79 | Jan 1, 2026 | $35,710 | $11,950 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | — | 82 | Jan 1, 2026 | $47,039 | $9,408 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 48 | Jan 1, 2026 | $27,199 | $5,440 |
| SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | Health, Dental | 168 | Jan 1, 2026 | $19,253 | $2,128 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental, Vision | 286 | Jan 1, 2026 | $122,807 | $2,024 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 228 | Jan 1, 2026 | $9,908 | $1,982 |
Premium and claims on these contracts
BLUE CROSS BLUE SHIELD OF FLORIDA, contract 74987. For the contract year on this filing, the carrier reported $1,164,597 in premium earned and $917,120 in claims incurred. Dividing one by the other gives 79%.
HEALTH OPTIONS, contract 74987. For the contract year on this filing, the carrier reported $478,156 in premium earned and $387,545 in claims incurred. Dividing one by the other gives 81%.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract 74987 reported $247,477 in retention.
- HEALTH OPTIONS, contract 74987 reported $90,611 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.
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