Form 5500 · Employee benefit plan · PENSACOLA, FL
LANDRUM PROFESSIONAL EMPLOYER SERVICES
The filing calls this plan LANDRUM EMPLOYEE WELFARE BENEFIT PLAN.
LANDRUM PROFESSIONAL EMPLOYER SERVICES of PENSACOLA, FL spreads its employee benefits across 6 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is AON CONSULTING. Coverage is written through BLUE CROSS BLUE SHIELD OF FLORIDA and 5 other carriers. The plan's most recent policy period ended in April.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-2345956 · plan 502 · plan year 2025, filed Nov 5, 2025
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151 other employer plans in Florida have policy years ending in April. 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.
The filing says this plan is subject to the Form M-1 requirement for multiple-employer welfare arrangements.
Benefits declared on this filing
Health: the largest of the 6 insured health contracts, with BLUE CROSS AND BLUE SHIELD OF ALABAMA, covers 77 of 4,820 participants (1.6%) on Schedule A.
2 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
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, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF FLORIDA, covers 1,483 people.
The filing declares health, dental, life, disability and vision. Vision 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 one of the 2 contracts here that do not say what they cover.
Reported premium across the insured contracts is $24,763,081, with $572,633 in disclosed broker commissions — about 2.3% of premium.
The most recent policy period ended in April, and the plan year ends April 30. Group contracts typically renew on that annual cycle.
AON CONSULTING is the broker of record on 6 of the 10 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY | Dental, Life, Disability | 6,210 | May 1, 2025 | $4,556,645 | $469,991 |
| METROPOLITAN LIFE INSURANCE COMPANY | Health | 1,273 | May 1, 2025 | $266,098 | $53,587 |
| METROPOLITAN LIFE INSURANCE COMPANY | Health | 2,464 | May 1, 2025 | $227,533 | $49,051 |
| SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | Health, Dental | 0 | May 1, 2025 | $104 | $4 |
| BLUE CROSS BLUE SHIELD OF FLORIDA | — | 1,483 | May 1, 2025 | $15,333,319 | $0 |
| HEALTH OPTIONS | — | 344 | May 1, 2025 | $3,298,311 | $0 |
| BLUE CROSS AND BLUE SHIELD OF ALABAMA | Health | 77 | May 1, 2025 | $459,999 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Health | 1,556 | May 1, 2025 | $345,579 | $0 |
| BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | Health | 65 | May 1, 2025 | $236,999 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Disability | 123 | May 1, 2025 | $38,494 | $0 |
Premium and claims on these contracts
BLUE CROSS BLUE SHIELD OF FLORIDA, contract 45221. For the contract year on this filing, the carrier reported $15,333,319 in premium earned and $11,313,101 in claims incurred. Dividing one by the other gives 74%.
HEALTH OPTIONS, contract 45221. For the contract year on this filing, the carrier reported $3,298,311 in premium earned and $2,040,810 in claims incurred. Dividing one by the other gives 62%.
BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 0095099. For the contract year on this filing, the carrier reported $459,999 in premium earned and $334,744 in claims incurred. Dividing one by the other gives 73%.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract 45221 reported $1,041,978 in retention.
- HEALTH OPTIONS, contract 45221 reported $293,491 in retention.
- BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 0095099 reported $50,321 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.
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