Form 5500 · Employee benefit plan · BOCA RATON, FL
NIGHTINGALE ADMIN SERVICES, LLC
The filing calls this plan NIGHTINGALE ADMIN SERVICES, LLC EMPLOYEE WELFARE BENEFITS PLAN.
NIGHTINGALE ADMIN SERVICES, LLC of BOCA RATON, FL is a 170-participant health care and social assistance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is ALL ATLANTIC BENEFITS LLC. Coverage is written through BLUE CROSS BLUE SHIELD OF FLORIDA and 6 other carriers. The plan's most recent policy period ended in February.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 20-0045002 · plan 510 · plan year 2025, filed Aug 7, 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.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Also declared: 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 9 insured contracts covering health, dental, vision, life, disability and stop-loss; the largest, with BLUE CROSS BLUE SHIELD OF FLORIDA, covers 54 people.
The filing lists a stop-loss contract. On its own that does not settle whether the plan pays its own claims.
Reported premium across the insured contracts is $1,216,802, with $113,881 in disclosed broker commissions — about 9.4% 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.
ALL ATLANTIC BENEFITS LLC is the broker of record on 7 of the 9 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA | Health | 54 | Mar 1, 2025 | $813,445 | $61,491 |
| FIDELITY SECURITY LIFE (FSL) | Health, Dental, Stop-loss | 202 | Mar 16, 2025 | $146,477 | $14,404 |
| HEALTH OPTIONS | Health | 12 | Mar 1, 2025 | $148,893 | $12,862 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Disability | 21 | Mar 1, 2025 | $34,924 | $12,084 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental, Life | 93 | Mar 1, 2025 | $46,021 | $7,205 |
| AMERICAN PUBLIC LIFE INSURANCE COMPANY | — | 32 | Mar 1, 2025 | $19,956 | $3,583 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 25 | Mar 1, 2025 | $2,249 | $1,293 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 25 | Mar 1, 2025 | $2,249 | $636 |
| STARMOUNT LIFE INSURANCE COMPANY | Vision | 31 | Mar 1, 2025 | $2,588 | $323 |
Premium and claims on these contracts
BLUE CROSS BLUE SHIELD OF FLORIDA, contract 61130. For the contract year on this filing, the carrier reported $813,445 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
HEALTH OPTIONS, contract 61130. For the contract year on this filing, the carrier reported $148,893 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract 61130 reported $197,585 in retention.
- HEALTH OPTIONS, contract 61130 reported $31,074 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. The service providers are named on Schedule C of this filing. We publish company names only.
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