Form 5500 · Employee benefit plan · TEMPLE TERRACE, FL
MUSCULOSKELETAL INSTITUTE INC. FLORIDA ORTHOPAEDIC INSTITUTE
The filing calls this plan FOI, OSM AND TOC ANCILLARY PLANS.
MUSCULOSKELETAL INSTITUTE INC. FLORIDA ORTHOPAEDIC INSTITUTE of TEMPLE TERRACE, FL is a 1,309-participant health care and social assistance employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is THE BALDWIN GROUP SOUTHEAST LLC. Coverage is written through STANDARD INSURANCE COMPANY. The plan's most recent policy period ended in February.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-2929608 · plan 503 · plan year 2025, filed Dec 11, 2025
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138 other employer plans in Florida have policy years ending in February. 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
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 dental, vision, life and disability; the largest, with STANDARD INSURANCE COMPANY, covers 519 people.
Reported premium across the insured contracts is $2,349,308, with $269,201 in disclosed broker commissions — about 11% of premium.
The most recent policy period ended in February, and the plan year ends February 28. Group contracts typically renew on that annual cycle.
THE BALDWIN GROUP SOUTHEAST LLC is the broker of record on all 5 contracts.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| STANDARD INSURANCE COMPANY | Disability | 519 | Mar 1, 2025 | $972,286 | $96,499 |
| STANDARD INSURANCE COMPANY | Disability | 646 | Mar 1, 2025 | $432,523 | $64,879 |
| STANDARD INSURANCE COMPANY | Dental | 1,196 | Mar 1, 2025 | $585,108 | $58,511 |
| STANDARD INSURANCE COMPANY | Life | 1,778 | Mar 1, 2025 | $256,701 | $39,043 |
| STANDARD INSURANCE COMPANY | Vision | 1,011 | Mar 1, 2025 | $102,690 | $10,269 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 754401. For the contract year on this filing, the carrier reported $972,286 in premium earned and $117,223 in claims incurred. Dividing one by the other gives 12%.
STANDARD INSURANCE COMPANY, contract 754401. For the contract year on this filing, the carrier reported $419,033 in premium earned and $246,461 in claims incurred. Dividing one by the other gives 59%.
STANDARD INSURANCE COMPANY, contract 754401. For the contract year on this filing, the carrier reported $585,108 in premium earned and $552,785 in claims incurred. Dividing one by the other gives 94%.
STANDARD INSURANCE COMPANY, contract 754401. For the contract year on this filing, the carrier reported $249,425 in premium earned and $102,740 in claims incurred. Dividing one by the other gives 41%.
STANDARD INSURANCE COMPANY, contract 754401. For the contract year on this filing, the carrier reported $102,690 in premium earned and $81,505 in claims incurred. Dividing one by the other gives 79%.
- STANDARD INSURANCE COMPANY, contract 754401 reported $855,063 in retention.
- STANDARD INSURANCE COMPANY, contract 754401 reported $193,051 in retention.
- STANDARD INSURANCE COMPANY, contract 754401 reported $187,479 in retention.
- STANDARD INSURANCE COMPANY, contract 754401 reported $146,689 in retention.
- STANDARD INSURANCE COMPANY, contract 754401 reported $44,125 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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