Form 5500 · Employee benefit plan · STUART, FL
MARINER SANDS COUNTRY CLUB
The filing calls this plan MARINER SANDS COUNTRY CLUB EMPLOYEE HEALTH CARE PLAN.
MARINER SANDS COUNTRY CLUB of STUART, FL insures health, dental, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is MARSH AND MCLENNAN AGENCY, LLC. Coverage is written through BLUE CROSS BLUE SHIELD OF FLORIDA and 1 other carrier. The plan's most recent policy period ended in April.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-2147192 · plan 501 · plan year 2025, filed May 13, 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
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 2 insured contracts covering health, dental, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF FLORIDA, covers 99 people.
Reported premium across the insured contracts is $1,295,669, with $51,408 in disclosed broker commissions — about 4% 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.
MARSH AND MCLENNAN AGENCY, LLC is the broker of record on all 2 contracts.
Two carriers split the book: BLUE CROSS BLUE SHIELD OF FLORIDA and UNITED OF OMAHA LIFE INSURANCE COMPANY.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA | Health | 99 | May 1, 2025 | $1,172,696 | $35,309 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Dental, Life, Disability | 134 | May 1, 2025 | $122,973 | $16,099 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF FLORIDA, contract 90275. For the contract year on this filing, the carrier reported $1,172,696 in premium earned and $1,000,310 in claims incurred. Dividing one by the other gives 85%.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract 90275 reported $172,386 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.
Reported to OSHA
Reported to OSHA for 2025: 202 employees, 5 recordable cases, 137 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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