Form 5500 · Employee benefit plan · GAINESVILLE, FL
OAK HAMMOCK AT THE UNIVERSITY OF FLORIDA, INC.
Public Form 5500 records show how OAK HAMMOCK AT THE UNIVERSITY OF FLORIDA, INC. of GAINESVILLE, FL, a health care and social assistance employer, structures its employee benefits. Its broker of record is USI INSURANCE SERVICES LLC. Coverage is written through HEALTH OPTIONS and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-3562098 · plan 501 · plan year 2025, filed Jul 27, 2026
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2,208 other employer plans in Florida have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
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.
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 6 insured contracts covering health, dental, vision, life and disability; the largest, with HEALTH OPTIONS, covers 105 people.
Reported premium across the insured contracts is $3,069,723, with $141,389 in disclosed broker commissions — about 4.6% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in August. The plan is on a split renewal cycle.
USI INSURANCE SERVICES LLC is the broker of record on 3 of the 6 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including HEALTH OPTIONS, BLUE CROSS BLUE SHIELD OF FLORIDA, STANDARD INSURANCE COMPANY and COLONIAL LIFE & ACCIDENT INSURANCE COMPANY. HEALTH OPTIONS writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HEALTH OPTIONS | Health | 105 | Jan 1, 2026 | $1,329,759 | $39,893 |
| BLUE CROSS BLUE SHIELD OF FLORIDA | — | 78 | Jan 1, 2026 | $1,318,945 | $39,568 |
| STANDARD INSURANCE COMPANY | Life, Disability | 195 | Jan 1, 2026 | $152,637 | $29,232 |
| STANDARD INSURANCE COMPANY | Dental, Vision | 195 | Sep 1, 2025 | $146,581 | $15,210 |
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | 128 | Jan 1, 2026 | $74,075 | $13,879 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | Dental, Vision | 196 | Jan 1, 2026 | $47,726 | $3,607 |
Premium and claims on these contracts
HEALTH OPTIONS, contract B9991. For the contract year on this filing, the carrier reported $1,329,759 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
BLUE CROSS BLUE SHIELD OF FLORIDA, contract B9991. For the contract year on this filing, the carrier reported $1,318,945 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
STANDARD INSURANCE COMPANY, contract 761699. For the contract year on this filing, the carrier reported $152,637 in premium earned and $1,170 in claims incurred. Dividing one by the other gives 1%.
STANDARD INSURANCE COMPANY, contract 761699. For the contract year on this filing, the carrier reported $121,667 in premium earned and $71,111 in claims incurred. Dividing one by the other gives 58%.
- HEALTH OPTIONS, contract B9991 reported $287,760 in retention.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract B9991 reported $231,079 in retention.
- STANDARD INSURANCE COMPANY, contract 761699 reported $81,280 in retention.
- STANDARD INSURANCE COMPANY, contract 761699 reported $39,060 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: 326 employees, 24 recordable cases, 170 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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