Form 5500 · Employee benefit plan · OLDSMAR, FL
PINNACLE HOME CARE
The filing calls this plan PINNACLE HOME CARE HEALTH AND WELFARE PLAN.
PINNACLE HOME CARE of OLDSMAR, FL spreads its employee benefits across 5 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is WALLACE WELCH AND WILLINGHAM, INC.. Coverage is written through UNITEDHEALTHCARE INSURANCE COMPANY and 4 other carriers. The plan's most recent policy period ended in February.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 45-0502569 · plan 501 · plan year 2025, filed Sep 2, 2025
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138 other employer plans in Florida have policy years ending in February. 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: prepaid legal, 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 5 insured contracts covering health, dental, vision, life and disability; the largest, with UNITEDHEALTHCARE INSURANCE COMPANY, covers 843 people.
Reported premium across the insured contracts is $7,100,499, with $69,288 in disclosed broker commissions — about 1% of premium.
The most recent policy period ended in February, and the plan year ends February 28. Group contracts typically renew on that annual cycle.
WALLACE WELCH AND WILLINGHAM, INC. is the broker of record on 3 of the 5 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including UNITEDHEALTHCARE INSURANCE COMPANY, UNITED OF OMAHA LIFE INSURANCE COMPANY, HUMANA INSURANCE COMPANY and COMPBENEFITS COMPANY. UNITEDHEALTHCARE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life, Disability | 950 | Mar 1, 2025 | $363,477 | $36,347 |
| HUMANA INSURANCE COMPANY | Dental, Vision | 531 | Mar 1, 2025 | $288,626 | $28,632 |
| COMPBENEFITS COMPANY | Dental | 192 | Mar 1, 2025 | $29,026 | $2,875 |
| ARAG INSURANCE COMPANY | — | 128 | Mar 1, 2025 | $14,339 | $1,434 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 843 | Mar 1, 2025 | $6,405,031 | $0 |
Premium and claims on these contracts
HUMANA INSURANCE COMPANY, contract 855236. For the contract year on this filing, the carrier reported $288,626 in premium earned and $181,215 in claims incurred. Dividing one by the other gives 63%.
COMPBENEFITS COMPANY, contract 855236. For the contract year on this filing, the carrier reported $29,026 in premium earned and $5,748 in claims incurred. Dividing one by the other gives 20%.
- HUMANA INSURANCE COMPANY, contract 855236 reported $28,632 in retention.
- COMPBENEFITS COMPANY, contract 855236 reported $2,875 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.
Reported to OSHA
Reported to OSHA for 2025: 1,649 employees, 4 recordable cases, 45 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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