Form 5500 · Employee benefit plan · WINTER SPRINGS, FL
MODERN PLUMBING INDUSTRIES, INC.
The filing calls this plan MODERN PLUMBING INDUSTRIES, INC. EMPLOYEE HEALTH AND WELFARE PLAN.
MODERN PLUMBING INDUSTRIES, INC. of WINTER SPRINGS, FL insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is INSURANCE OFFICE OF AMERICA INC. Coverage is written through TRULI and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-1884437 · plan 501 · 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
Also declared: prepaid legal, death benefits, other welfare.
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 5 insured contracts covering health, dental, vision, life and disability; the largest, with TRULI, covers 120 people.
Reported premium across the insured contracts is $1,147,160, with $95,655 in disclosed broker commissions — about 8.3% 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.
INSURANCE OFFICE OF AMERICA INC is the broker of record on 2 of the 5 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including TRULI, BLUE CROSS BLUE SHIELD OF FLORIDA, COLONIAL LIFE & ACCIDENT INSURANCE COMPANY and UNITED OF OMAHA LIFE INSURANCE COMPANY. TRULI writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | Life | 123 | Jan 1, 2026 | $111,087 | $38,468 |
| TRULI | Health | 120 | Jan 1, 2026 | $538,892 | $24,250 |
| BLUE CROSS BLUE SHIELD OF FLORIDA | Health, Dental, Vision | 29 | Jan 1, 2026 | $411,345 | $18,511 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life, Disability | 176 | Jan 1, 2026 | $70,598 | $10,589 |
| PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | — | 51 | Jan 1, 2026 | $15,238 | $3,837 |
Premium and claims on these contracts
TRULI, contract 64229. For the contract year on this filing, the carrier reported $538,892 in premium earned and $417,103 in claims incurred. Dividing one by the other gives 77%.
BLUE CROSS BLUE SHIELD OF FLORIDA, contract 64229. For the contract year on this filing, the carrier reported $411,345 in premium earned and $342,897 in claims incurred. Dividing one by the other gives 83%.
- TRULI, contract 64229 reported $121,789 in retention.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract 64229 reported $68,447 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: 141 employees, 1 recordable cases, 0 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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