Form 5500 · Employee benefit plan · ST AUGUSTINE, FL
INTERAGENCY READINESS SOLUTIONS, LLC
The filing calls this plan INTERAGENCY READINESS SOLUTIONS, LLC WELFARE BENEFIT PLAN.
INTERAGENCY READINESS SOLUTIONS, LLC of ST AUGUSTINE, FL files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is BUSINESS BENEFITS GROUP, INC.. Coverage is written through BLUE CROSS BLUE SHIELD OF FLORIDA and 3 other carriers. The plan's most recent policy period ended in May.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 27-0789605 · plan 501 · plan year 2025, filed Jan 26, 2026
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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.
Benefits declared on this filing
Also declared: death benefits.
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 4 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF FLORIDA, covers 48 people.
Reported premium across the insured contracts is $777,069, with $46,127 in disclosed broker commissions — about 5.9% of premium.
The most recent policy period ended in May, and the plan year ends May 31. Group contracts typically renew on that annual cycle.
BUSINESS BENEFITS GROUP, INC. is the broker of record on 1 of the 4 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF FLORIDA, UNITED OF OMAHA LIFE INSURANCE COMPANY, UNITED CONCORDIA INSURANCE COMPANY and VISION SERVICE PLAN. 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 | 48 | Jun 1, 2025 | $613,330 | $28,824 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life, Disability | 148 | Jun 1, 2025 | $101,625 | $11,031 |
| UNITED CONCORDIA INSURANCE COMPANY | Dental | 166 | Jun 1, 2025 | $47,873 | $4,853 |
| VISION SERVICE PLAN | Vision | 72 | Jun 1, 2025 | $14,241 | $1,419 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF FLORIDA, contract K8742. For the contract year on this filing, the carrier reported $613,330 in premium earned and $500,232 in claims incurred. Dividing one by the other gives 82%.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract K8742 reported $113,098 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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