Form 5500 · Employee benefit plan · PALMETTO, FL
RENAISSANCE ARTS AND EDUCATION
The filing calls this plan RENAISSANCE ARTS AND EDUCATION, INC. DBA MANATEE SCHOOL FOR THE ARTS HEALTH CARE PLAN.
RENAISSANCE ARTS AND EDUCATION of PALMETTO, FL files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is WISTERM, LLC. Coverage is written through BLUE CROSS BLUE SHIELD OF FLORIDA and 2 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 65-0829459 · plan 501 · plan year 2025, filed Jan 13, 2026
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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, 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 3 insured contracts covering health, dental, vision and life; the largest, with BLUE CROSS BLUE SHIELD OF FLORIDA, covers 164 people.
Reported premium across the insured contracts is $1,794,980, with $99,634 in disclosed broker commissions — about 5.6% of premium.
The most recent policy period ended in June, and the plan year ends June 30. Group contracts typically renew on that annual cycle.
WISTERM, LLC is the broker of record on 2 of the 3 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF FLORIDA, METROPOLITAN LIFE INSURANCE COMPANY 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 | 164 | Jul 1, 2025 | $1,653,420 | $82,671 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental, Vision, Life | 312 | Jul 1, 2025 | $112,065 | $13,441 |
| USABLE LIFE | Life | 233 | Jul 1, 2025 | $29,495 | $3,522 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF FLORIDA, contract K5333. For the contract year on this filing, the carrier reported $1,653,420 in premium earned and $1,349,408 in claims incurred. Dividing one by the other gives 82%.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract K5333 reported $304,011 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.
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