Form 5500 · Employee benefit plan · MIAMI, FL
OPUSCARE MANAGEMENT LLC
The filing calls this plan OPUSCARE MANAGEMENT LLC HEALTH & WELFARE BENEFIT PLAN.
OPUSCARE MANAGEMENT LLC of MIAMI, FL insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is RSC INSURANCE BROKERAGE. Coverage is written through UNITEDHEALTHCARE INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 81-4278711 · plan 501 · plan year 2025, filed Jan 15, 2026
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282 other employer plans in Florida have policy years ending in June. 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
Disability: THE LINCOLN NATIONAL LIFE INSURANCE COMPANY covers 21 of 398 participants (5.3%) on Schedule A.
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 8 insured contracts covering health, dental, vision, life and disability; the largest, with UNITEDHEALTHCARE INSURANCE COMPANY, covers 115 people.
Reported premium across the insured contracts is $1,647,832, with $27,581 in disclosed broker commissions — about 1.7% of premium.
The most recent policy period ended in June, and the plan year ends June 30. Group contracts typically renew on that annual cycle.
RSC INSURANCE BROKERAGE is the broker of record on 4 of the 8 contracts; the rest name a different broker or none.
Two carriers split the book: UNITEDHEALTHCARE INSURANCE COMPANY and THE LINCOLN NATIONAL LIFE INSURANCE COMPANY.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNITEDHEALTHCARE INSURANCE COMPANY | Dental | 149 | Jul 1, 2025 | $82,078 | $12,246 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 38 | Jul 1, 2025 | $31,766 | $4,765 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 21 | Jul 1, 2025 | $30,149 | $4,522 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 64 | Jul 1, 2025 | $18,752 | $2,813 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Vision | 114 | Jul 1, 2025 | $11,868 | $1,784 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 420 | Jul 1, 2025 | $9,672 | $1,451 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 115 | Jul 1, 2025 | $913,682 | $0 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 152 | Jul 1, 2025 | $549,865 | $0 |
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
How this plan compares
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Renewal calendar
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