Form 5500 · Employee benefit plan · MIAMI, FL
PHILLIP AND PATRICIA FROST MUSEUM OF SCIENCE
The filing calls this plan MUSEUM OF SCIENCE, INC. WELFARE BENEFIT PLAN.
PHILLIP AND PATRICIA FROST MUSEUM OF SCIENCE of MIAMI, FL files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is HUB INTERNATIONAL FLORIDA. Coverage is written through THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA and 2 other carriers. The plan's most recent policy period ended in September.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-0854960 · plan 501 · plan year 2025, filed Apr 10, 2026
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
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
Also declared: prepaid legal, death benefits, 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 health, dental, vision, life and disability; the largest, with THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, covers 118 people.
Reported premium across the insured contracts is $104,639, with $12,760 in disclosed broker commissions — about 12% of premium.
The most recent policy period ended in September, and the plan year ends September 30. Group contracts typically renew on that annual cycle.
HUB INTERNATIONAL FLORIDA is the broker of record on 1 of the 3 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, AMERICAN PUBLIC LIFE INSURANCE COMPANY and PREFERRED LEGAL. THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision, Life, Disability | 118 | Oct 1, 2025 | $93,105 | $11,422 |
| AMERICAN PUBLIC LIFE INSURANCE COMPANY | Health | 24 | Oct 1, 2025 | $7,445 | $1,338 |
| PREFERRED LEGAL | — | 33 | Oct 1, 2025 | $4,089 | $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.
Other plans filed by this employer
How this plan compares
Subscribers see how this compares with similar plans in Florida. A subscription also adds this plan's filing history and the renewal calendar for its state. See plans and prices
Without an account you can open 10 employer, broker and carrier pages a day, including through an AI assistant, and 50 a day with a free account. Paid plans are what keep these records free to read.
More employer plans in Florida — largest plans, brokers, carriers and renewal months.