Form 5500 · Employee benefit plan · LAKELAND, FL
ONE MORE CHILD
The filing calls this plan ONE MORE CHILD BENEFIT PLAN.
ONE MORE CHILD of LAKELAND, FL insures dental, vision, life, disability and stop-loss coverage for its employees, per Schedule A of its Form 5500. Its broker of record is STEALTH PARTNER GROUP. Coverage is written through BERKLEY LIFE AND HEALTH INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-0657326 · plan 501 · plan year 2025, filed Oct 20, 2025
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How this plan is funded
Self-funded as reported
The filing reports a stop-loss contract and no medical premium, which is what a plan that pays its own claims reports.
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.
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 3 insured contracts covering dental, vision, life, disability and stop-loss; the largest, with BERKLEY LIFE AND HEALTH INSURANCE COMPANY, covers 179 people.
The filing declares dental, vision, life, disability and health. Health appears with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
The only insured piece of the health benefit is stop-loss coverage, and the filing reports the plan paying its own claims. The stop-loss contract reports $672,761 in premium and $67,276 in commission. The rest of the premium and commission above is on the plan's other insured lines, and none of it is medical premium.
Reported premium across the insured contracts is $842,720, with $85,359 in disclosed broker commissions — about 10% of premium.
The most recent policy period ended in March, and the plan year ends March 31. Group contracts typically renew on that annual cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BERKLEY LIFE AND HEALTH INSURANCE COMPANY | Stop-loss | 179 | Apr 1, 2025 | $672,761 | $67,276 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Dental, Vision | 302 | Apr 1, 2025 | $96,367 | $9,637 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Life, Disability | 179 | Apr 1, 2025 | $73,592 | $8,446 |
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.
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