Form 5500 · Employee benefit plan · ORLANDO, FL
INNOVATIVE REASONING, LLC
The filing calls this plan INNOVATIVE REASONING, LLC WRAP PLAN.
Public Form 5500 records show how INNOVATIVE REASONING, LLC of ORLANDO, FL, a professional services employer, structures its employee benefits. Its broker of record is HUB INTERNATIONAL MIDWEST. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 20-2539270 · plan 501 · plan year 2025, filed Dec 8, 2025
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
How this plan is funded
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
The filing carries code 4S: this plan is filing again after previously being exempt.
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 3 insured contracts covering health, dental, vision, life and disability.
Reported premium across the insured contracts is $261,327, with $25,956 in disclosed broker commissions — about 9.9% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in July. The plan is on a split renewal cycle.
HUB INTERNATIONAL MIDWEST is the broker of record on 2 of the 3 contracts; the rest name a different broker or none.
Two carriers split the book: CIGNA HEALTH AND LIFE INSURANCE COMPANY and SUN LIFE ASSURANCE COMPANY OF CANADA.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| SUN LIFE ASSURANCE COMPANY OF CANADA | Dental, Vision, Life, Disability | 102 | Aug 1, 2025 | $90,463 | $11,283 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 19 | Jan 1, 2025 | $92,682 | $9,345 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 27 | Aug 1, 2025 | $78,182 | $5,328 |
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
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.
More employer plans in Florida — largest plans, brokers, carriers and renewal months.