Form 5500 · Employee benefit plan · WILDLIGHT, FL
RAYONIER INC.
The filing calls this plan RAYONIER INC WELFARE PLAN.
RAYONIER INC. of WILDLIGHT, FL spreads its employee benefits across 6 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is MFB FINANCIAL DBA THE BAILEY GROUP. Coverage is written through BLUE CROSS BLUE SHIELD OF FLORIDA and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 13-2607329 · plan 501 · plan year 2024, filed Aug 21, 2025
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2,208 other employer plans in Florida have policy years ending in December. 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: severance, 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 7 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF FLORIDA, covers 279 people.
Reported premium across the insured contracts is $5,554,395, with $2,161 in disclosed broker commissions — about 0% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in March. The plan is on a split renewal cycle.
MFB FINANCIAL DBA THE BAILEY GROUP is the broker of record on 2 of the 7 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF FLORIDA, FLORIDA COMBINED LIFE, METROPOLITAN LIFE INSURANCE COMPANY and LIFE INSURANCE COMPANY OF NORTH AMERICA. BLUE CROSS BLUE SHIELD OF FLORIDA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | — | 334 | Apr 1, 2024 | $14,408 | $2,161 |
| BLUE CROSS BLUE SHIELD OF FLORIDA | Health | 279 | Jan 1, 2025 | $4,794,733 | $0 |
| FLORIDA COMBINED LIFE | Health, Dental | 289 | Jan 1, 2025 | $370,511 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 687 | Jan 1, 2025 | $206,296 | $0 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 334 | Jan 1, 2025 | $128,059 | $0 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | Vision | 265 | Jan 1, 2025 | $40,388 | $0 |
| NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | — | 334 | Apr 1, 2024 | — | $0 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF FLORIDA, contract B7590. For the contract year on this filing, the carrier reported $4,794,733 in premium earned and $4,013,192 in claims incurred. Dividing one by the other gives 84%.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract B7590 reported $781,542 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.
Other plans filed by this employer
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