Form 5500 · Employee benefit plan · FRUITLAND PARK, FL
PHILLIPS BUICK GMC TRUCKS, INC.
The filing calls this plan PHILLIPS BUICK GMC TRUCKS, INC. BENEFIT PLAN.
PHILLIPS BUICK GMC TRUCKS, INC. of FRUITLAND PARK, FL insures health, dental, vision and life coverage for its employees, per Schedule A of its Form 5500. Its broker of record is ACRISURE SOUTHEAST PARTNERS INSURAN. Coverage is written through HEALTH OPTIONS and 3 other carriers. The plan's most recent policy period ended in May.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-1813149 · plan 501 · plan year 2025, filed Jan 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.
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 7 insured contracts covering health, dental, vision and life; the largest, with HEALTH OPTIONS, covers 10,655 people.
Reported premium across the insured contracts is $1,592,165, with $54,631 in disclosed broker commissions — about 3.4% of premium.
The most recent policy period ended in May, and the plan year ends May 31. Group contracts typically renew on that annual cycle.
ACRISURE SOUTHEAST PARTNERS INSURAN is the broker of record on 2 of the 7 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including HEALTH OPTIONS, BLUE CROSS BLUE SHIELD OF FLORIDA, THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA and USABLE LIFE. HEALTH OPTIONS writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA | Health | 46 | Jun 1, 2025 | $401,086 | $13,798 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision, Life | 263 | Jun 1, 2025 | $92,572 | $11,023 |
| HEALTH OPTIONS | Health | 10,655 | Jun 1, 2025 | $428,354 | $10,655 |
| BLUE CROSS BLUE SHIELD OF FLORIDA | Health | 46 | Jun 1, 2025 | $292,059 | $10,128 |
| HEALTH OPTIONS | Health | 78 | Jun 1, 2025 | $328,393 | $9,027 |
| USABLE LIFE | Life | 116 | Jun 1, 2025 | $45,993 | $0 |
| USABLE LIFE | — | 116 | Jun 1, 2025 | $3,708 | $0 |
Premium and claims on these contracts
BLUE CROSS BLUE SHIELD OF FLORIDA, contract 34133. For the contract year on this filing, the carrier reported $401,086 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
HEALTH OPTIONS, contract 34133. For the contract year on this filing, the carrier reported $428,354 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
BLUE CROSS BLUE SHIELD OF FLORIDA, contract 34133. For the contract year on this filing, the carrier reported $292,059 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
HEALTH OPTIONS, contract 34133. For the contract year on this filing, the carrier reported $328,393 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract 34133 reported $67,944 in retention.
- HEALTH OPTIONS, contract 34133 reported $97,151 in retention.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract 34133 reported $49,475 in retention.
- HEALTH OPTIONS, contract 34133 reported $74,479 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.
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