Form 5500 · Employee benefit plan · PENSACOLA, FL
LEVIN, PAPANTONIO, PROCTOR, BUCHANAN, O'BRIEN, BARR & MOUGEY, P.A.
LEVIN, PAPANTONIO, PROCTOR, BUCHANAN, O'BRIEN, BARR & MOUGEY, P.A. of PENSACOLA, FL spreads its employee benefits across 3 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is DIGITAL INSURANCE INC.. Coverage is written through BLUE CROSS BLUE SHIELD OF FLORIDA and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-1266412 · plan 550 · plan year 2025, filed Aug 10, 2026
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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
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 9 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF FLORIDA, covers 132 people.
Reported premium across the insured contracts is $3,079,879, with $154,903 in disclosed broker commissions — about 5% 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.
DIGITAL INSURANCE INC. is the broker of record on all 9 contracts.
3 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF FLORIDA, STANDARD INSURANCE COMPANY and USABLE LIFE. 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 | 132 | Jan 1, 2026 | $2,337,310 | $93,492 |
| BLUE CROSS BLUE SHIELD OF FLORIDA | Health | 28 | Jan 1, 2026 | $471,123 | $18,845 |
| USABLE LIFE | — | 129 | Jan 1, 2026 | $35,529 | $15,054 |
| STANDARD INSURANCE COMPANY | Dental | 147 | Jan 1, 2026 | $84,685 | $10,084 |
| STANDARD INSURANCE COMPANY | Disability | 182 | Jan 1, 2026 | $90,200 | $9,020 |
| USABLE LIFE | — | 192 | Jan 1, 2026 | $43,732 | $6,560 |
| STANDARD INSURANCE COMPANY | Vision | 128 | Jan 1, 2026 | $14,949 | $1,495 |
| USABLE LIFE | — | 129 | Jan 1, 2026 | $2,324 | $349 |
| STANDARD INSURANCE COMPANY | Life | 0 | Jan 1, 2026 | $27 | $4 |
Premium and claims on these contracts
BLUE CROSS BLUE SHIELD OF FLORIDA, contract 45185. For the contract year on this filing, the carrier reported $2,337,310 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
BLUE CROSS BLUE SHIELD OF FLORIDA, contract 45185. For the contract year on this filing, the carrier reported $471,123 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
STANDARD INSURANCE COMPANY, contract 757335. For the contract year on this filing, the carrier reported $84,612 in premium earned and $69,676 in claims incurred. Dividing one by the other gives 82%.
STANDARD INSURANCE COMPANY, contract 757335. For the contract year on this filing, the carrier reported $90,200 in premium earned and $805 in claims incurred. Dividing one by the other gives 1%.
STANDARD INSURANCE COMPANY, contract 757335. For the contract year on this filing, the carrier reported $14,889 in premium earned and $8,405 in claims incurred. Dividing one by the other gives 56%.
STANDARD INSURANCE COMPANY, contract 757335. For the contract year on this filing, the carrier reported $27 in premium earned and $-17,615 in claims incurred. Dividing one by the other gives -65241%.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract 45185 reported $442,218 in retention.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract 45185 reported $75,333 in retention.
- STANDARD INSURANCE COMPANY, contract 757335 reported $30,282 in retention.
- STANDARD INSURANCE COMPANY, contract 757335 reported $89,395 in retention.
- STANDARD INSURANCE COMPANY, contract 757335 reported $6,486 in retention.
- STANDARD INSURANCE COMPANY, contract 757335 reported $17,642 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.
Other plans filed by this employer
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