Form 5500 · Employee benefit plan · ORLANDO, FL
RED LOBSTER RESTAURANTS, LLC
The filing calls this plan RED LOBSTER RESTAURANTS, LLC HEALTH AND WELFARE PLAN.
RED LOBSTER RESTAURANTS, LLC of ORLANDO, FL spreads its employee benefits across 13 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is MARSH & MCLENNAN AGENCY LLC. Coverage is written through BLUE CROSS BLUE SHIELD OF FLORIDA and 12 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 46-5134308 · plan 503 · plan year 2025, filed Jul 20, 2026
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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
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Vision: the largest of the 2 insured vision contracts, with AMERITAS LIFE INSURANCE CORP., covers 573 of 7,150 participants (8%) on Schedule A.
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 15 insured contracts covering health, dental, vision, life, disability and stop-loss.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium across the insured contracts is $24,098,903, with $739,979 in disclosed broker commissions — about 3.1% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
MARSH & MCLENNAN AGENCY LLC is the broker of record on 2 of the 15 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA | Health | 1,639 | Jan 1, 2026 | $19,813,131 | $594,394 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life, Disability | 1,657 | Jan 1, 2026 | $1,354,992 | $96,104 |
| AMERITAS LIFE INSURANCE CORP. | Dental, Vision | 573 | Jan 1, 2026 | $228,019 | $22,802 |
| NATIONWIDE LIFE INSURANCE COMPANY | Health, Life, Stop-loss | 422 | Jan 1, 2026 | $177,439 | $13,784 |
| DELTA DENTAL INSURANCE COMPANY | Dental | 1,855 | Jan 1, 2026 | $810,777 | $12,749 |
| CRUM & FORSTER | — | 63 | Jan 1, 2026 | $1,825 | $146 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 39 | Jan 1, 2026 | $355,989 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 36 | Jan 1, 2026 | $327,312 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | Health | 39 | Jan 1, 2026 | $212,685 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | Health | 33 | Jan 1, 2026 | $203,708 | $0 |
| EYEMED VISION CARE | Vision | 1,964 | Jan 1, 2026 | $174,543 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF HAWAII | Health | 31 | Jan 1, 2026 | $166,503 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF COLORADO | Health | 17 | Jan 1, 2026 | $119,157 | $0 |
| DELTA DENTAL INSURANCE COMPANY | Dental | 486 | Jan 1, 2026 | $96,069 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | Health | 5 | Jan 1, 2026 | $56,754 | $0 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF FLORIDA, contract L0295. For the contract year on this filing, the carrier reported $19,813,131 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract L0295 reported $3,520,793 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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