Form 5500 · Employee benefit plan · MIAMI, FL
PMC, LLC
The filing calls this plan PMC, LLC - CAFETERIA & ERISA WRAP PLAN.
PMC, LLC of MIAMI, FL files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is BCI INSURANCE SOLUTIONS, INC.. Coverage is written through BLUECROSS BLUESHIELD OF TEXAS and 14 other carriers. The plan's most recent policy period ended in May.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 01-0906769 · plan 507 · plan year 2024, filed Oct 9, 2025
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200 other employer plans in Florida have policy years ending in May. 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: 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 26 insured contracts covering health, dental, vision, life and disability; the largest, with BLUECROSS BLUESHIELD OF TEXAS, covers 377 people.
Reported premium across the insured contracts is $3,658,744, with $161,535 in disclosed broker commissions — about 4.4% of premium.
The health contract's policy period ended in May, while at least one ancillary line's policy period ended in July. The plan is on a split renewal cycle.
BCI INSURANCE SOLUTIONS, INC. is the broker of record on 2 of the 26 contracts; the rest name a different broker or none.
15 carriers appear on the filing, including BLUECROSS BLUESHIELD OF TEXAS, KAISER FOUNDATION HEALTH PLAN, INC., INDEPENDENCE BLUE CROSS and HUMANA MEDICAL PLAN, INC.. BLUECROSS BLUESHIELD OF TEXAS writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUECROSS BLUESHIELD OF TEXAS | Health | 377 | Jun 1, 2024 | $1,381,431 | $48,255 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 105 | Oct 1, 2024 | $573,357 | $28,294 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 513 | Aug 1, 2024 | $104,353 | $17,830 |
| HUMANA MEDICAL PLAN, INC. | Health | 0 | Sep 1, 2024 | $295,199 | $13,332 |
| INDEPENDENCE BLUE CROSS | Health | 29 | Jan 1, 2025 | $335,598 | $13,230 |
| SUTTER HEALTH PLAN | Health | 35 | Oct 1, 2024 | $146,253 | $8,776 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental | 167 | Oct 1, 2024 | $57,443 | $5,682 |
| WESTERN HEALTH ADVANTAGE | Health | 18 | Oct 1, 2024 | $76,339 | $4,522 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 291 | Dec 1, 2024 | $32,280 | $3,644 |
| HUMANA INSURANCE COMPANY | Health, Dental, Vision | 93 | Sep 1, 2024 | $33,025 | $3,130 |
| STARMOUNT LIFE INSURANCE COMPANY | Dental, Vision | 26 | Jan 1, 2025 | $29,278 | $2,762 |
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | 47 | Jan 1, 2025 | $13,591 | $2,642 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 9 | Jan 1, 2025 | $9,223 | $1,844 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 26 | Jan 1, 2025 | $7,124 | $1,426 |
| DEARBORN LIFE INSURANCE COMPANY | Vision, Disability | 118 | Jun 1, 2024 | $59,813 | $1,391 |
| COMPBENEFITS COMPANY | Health | 0 | Sep 1, 2024 | $14,406 | $1,073 |
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | 19 | Jan 1, 2025 | $4,546 | $946 |
| VISION SERVICE PLAN | Vision | 89 | Oct 1, 2024 | $14,033 | $893 |
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | 9 | Jan 1, 2025 | $3,847 | $748 |
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | 8 | Jan 1, 2025 | $2,705 | $470 |
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | 14 | Jan 1, 2025 | $6,848 | $411 |
| COMPBENEFITS COMPANY | Health, Dental | 11 | Sep 1, 2024 | $1,837 | $124 |
| INDEPENDENCE BLUE CROSS | Vision | 14 | Jan 1, 2025 | $4,499 | $71 |
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | 1 | Jan 1, 2025 | $314 | $39 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 25 | Jan 1, 2025 | $226,519 | $0 |
| INDEPENDENCE BLUE CROSS | Health | 14 | Jan 1, 2025 | $224,883 | $0 |
Premium and claims on these contracts
INDEPENDENCE BLUE CROSS, contract 0000834761. For the contract year on this filing, the carrier reported $335,598 in premium earned and $217,956 in claims incurred. Dividing one by the other gives 65%.
INDEPENDENCE BLUE CROSS, contract 0000834761. For the contract year on this filing, the carrier reported $4,499 in premium earned and $3,259 in claims incurred. Dividing one by the other gives 72%.
INDEPENDENCE BLUE CROSS, contract 0000834761. For the contract year on this filing, the carrier reported $224,883 in premium earned and $1,185 in claims incurred. Dividing one by the other gives 1%.
- INDEPENDENCE BLUE CROSS, contract 0000834761 reported $29,997 in retention.
- INDEPENDENCE BLUE CROSS, contract 0000834761 reported $120 in retention.
- INDEPENDENCE BLUE CROSS, contract 0000834761 reported $2,294 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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