Form 5500 · Employee benefit plan · ORLANDO, FL
MORGAN & MORGAN, P.A.
The filing calls this plan MORGAN & MORGAN, P.A. EMPLOYEE BENEFITS PLAN.
MORGAN & MORGAN, P.A. of ORLANDO, FL insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is NFP CORPORATE SERVICES. Coverage is written through STANDARD INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in April.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-2920684 · plan 525 · plan year 2025, filed Oct 29, 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
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
Also declared: 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.
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, vision, life and disability; the largest, with STANDARD INSURANCE COMPANY, covers 3,391 people.
Reported premium across the insured contracts is $4,240,471, with $861,973 in disclosed broker commissions — about 20% 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.
NFP CORPORATE SERVICES is the broker of record on 1 of the 2 contracts; the rest name a different broker or none.
Two carriers split the book: STANDARD INSURANCE COMPANY and HUMANA INSURANCE COMPANY.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| STANDARD INSURANCE COMPANY | Health, Dental, Life, Disability | 3,391 | May 1, 2025 | $3,810,890 | $845,894 |
| HUMANA INSURANCE COMPANY | Vision | 2,886 | May 1, 2025 | $429,581 | $16,079 |
Premium and claims on this contract
STANDARD INSURANCE COMPANY, contract 168928. For the contract year on this filing, the carrier reported $3,810,890 in premium earned and $2,469,057 in claims incurred. Dividing one by the other gives 65%.
- STANDARD INSURANCE COMPANY, contract 168928 reported $1,780,181 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.
Other plans filed by this employer
How this plan compares
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Renewal calendar
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