Form 5500 · Employee benefit plan · LAKELAND, FL
LAKELAND REGIONAL MEDICAL CENTER
The filing calls this plan LAKELAND REGIONAL MEDICAL CENTER HEALTH AND WELFARE BENEFITS PLAN.
LAKELAND REGIONAL MEDICAL CENTER of LAKELAND, FL is a 6,937-participant health care and social assistance employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is MERCER HEALTH AND BENEFITS, LLC. Coverage is written through THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-2650456 · plan 505 · plan year 2025, filed Jun 8, 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
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
Benefits declared on this filing
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
Also declared: prepaid legal, 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.
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 6 insured contracts covering dental, vision, life and disability; the largest, with THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, covers 5,546 people.
The filing declares dental, vision, life, disability and health. Health appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on the contract here that does not say what it covers.
Reported premium across the insured contracts is $8,932,286, with $855,111 in disclosed broker commissions — about 9.6% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
MERCER HEALTH AND BENEFITS, LLC is the broker of record on 5 of the 6 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental | 5,546 | Jan 1, 2026 | $3,052,803 | $244,224 |
| STANDARD INSURANCE COMPANY | Life | 7,277 | Jan 1, 2026 | $2,034,924 | $227,217 |
| STANDARD INSURANCE COMPANY | Disability | 2,196 | Jan 1, 2026 | $1,723,365 | $194,148 |
| STANDARD INSURANCE COMPANY | Disability | 2,299 | Jan 1, 2026 | $1,296,244 | $152,959 |
| AETNA LIFE INSURANCE COMPANY | Vision | 7,530 | Jan 1, 2026 | $525,060 | $36,563 |
| METROPOLITAN GENERAL INSURANCE COMPANY | — | 2,207 | Jan 1, 2026 | $299,890 | $0 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 758352. For the contract year on this filing, the carrier reported $2,034,924 in premium earned and $383,567 in claims incurred. Dividing one by the other gives 19%.
STANDARD INSURANCE COMPANY, contract 758352. For the contract year on this filing, the carrier reported $1,723,365 in premium earned and $1,056,371 in claims incurred. Dividing one by the other gives 61%.
STANDARD INSURANCE COMPANY, contract 758352. For the contract year on this filing, the carrier reported $1,296,244 in premium earned and $1,588,191 in claims incurred. Dividing one by the other gives 123%.
- STANDARD INSURANCE COMPANY, contract 758352 reported $1,651,363 in retention.
- STANDARD INSURANCE COMPANY, contract 758352 reported $666,995 in retention.
- STANDARD INSURANCE COMPANY, contract 758352 reported $531,402 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.
Reported to OSHA
Reported to OSHA for 2025: 5,080 employees, 332 recordable cases, 193 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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