Form 5500 · Employee benefit plan · PLANT CITY, FL
QGS DEVELOPMENT INC
The filing calls this plan QGS DEVELOPMENT INC CAFETERIA AND ERISA WRAP PLAN.
Public Form 5500 records show how QGS DEVELOPMENT INC of PLANT CITY, FL, a construction employer, structures its employee benefits. Its broker of record is WWW INSURANCE LLC. Coverage is written through BLUE CROSS BLUE SHIELD OF FLORIDA and 4 other carriers. The plan's most recent policy period ended in January.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-2233851 · plan 501 · plan year 2026, filed Aug 18, 2026
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68 other employer plans in Florida have policy years ending in January. 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: 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 and life; the largest, with BLUE CROSS BLUE SHIELD OF FLORIDA, covers 150 people.
Reported premium across the insured contracts is $2,816,906, with $122,745 in disclosed broker commissions — about 4.4% of premium.
The most recent policy period ended in January, and the plan year ends January 31. Group contracts typically renew on that annual cycle.
WWW INSURANCE LLC is the broker of record on all 5 contracts.
5 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF FLORIDA, HEALTH OPTIONS, FLORIDA COMBINED LIFE and USABLE LIFE. BLUE CROSS BLUE SHIELD OF FLORIDA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA | Health | 150 | Feb 1, 2026 | $2,187,772 | $87,511 |
| HEALTH OPTIONS | Health | 55 | Feb 1, 2026 | $489,890 | $19,596 |
| FLORIDA COMBINED LIFE | Dental | 152 | Feb 1, 2026 | $108,503 | $11,564 |
| USABLE LIFE | Life | 423 | Feb 1, 2026 | $16,164 | $2,487 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Vision | 321 | Feb 1, 2026 | $14,577 | $1,587 |
Premium and claims on these contracts
BLUE CROSS BLUE SHIELD OF FLORIDA, contract B1541. For the contract year on this filing, the carrier reported $2,187,772 in premium earned and $1,708,431 in claims incurred. Dividing one by the other gives 78%.
HEALTH OPTIONS, contract B1541. For the contract year on this filing, the carrier reported $489,890 in premium earned and $368,691 in claims incurred. Dividing one by the other gives 75%.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract B1541 reported $479,341 in retention.
- HEALTH OPTIONS, contract B1541 reported $121,199 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.
Reported to OSHA
Reported to OSHA for 2025: 411 employees, 0 recordable cases, 0 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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