Form 5500 · Employee benefit plan · ST AUGUSTINE, FL
RING POWER CORPORATION
The filing calls this plan RING POWER CORPORATION BENEFIT PLANS.
RING POWER CORPORATION of ST AUGUSTINE, FL is a 2,626-participant wholesale trade employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is MFB FINANCIAL DBA THE BAILEY GROUP. Coverage is written through METROPOLITAN LIFE INSURANCE COMPANY and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-0934246 · plan 501 · plan year 2025, filed Jun 26, 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
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
Benefits declared on this filing
Also declared: prepaid legal, 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 11 insured contracts covering health, dental, vision, life and disability; the largest, with METROPOLITAN LIFE INSURANCE COMPANY, covers 4,121 people.
Reported premium across the insured contracts is $4,812,196, with $948,059 in disclosed broker commissions — about 20% 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.
MFB FINANCIAL DBA THE BAILEY GROUP is the broker of record on 10 of the 11 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including METROPOLITAN LIFE INSURANCE COMPANY, LIFE INSURANCE COMPANY OF NORTH AMERICA, STANDARD INSURANCE COMPANY and MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY. METROPOLITAN LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY | Dental, Vision | 4,121 | Jan 1, 2026 | $1,606,005 | $263,418 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Life | 2,785 | Jan 1, 2026 | $866,930 | $208,783 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 1,391 | Jan 1, 2026 | $962,281 | $192,456 |
| STANDARD INSURANCE COMPANY | Health | 1,940 | Jan 1, 2026 | $702,410 | $108,781 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 1,507 | Jan 1, 2026 | $348,989 | $69,798 |
| STANDARD INSURANCE COMPANY | Life | 0 | Jan 1, 2026 | $65,395 | $31,520 |
| MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | 175 | Jan 1, 2026 | $105,793 | $28,054 |
| STANDARD INSURANCE COMPANY | Disability | 0 | Jan 1, 2026 | $57,862 | $25,735 |
| STANDARD INSURANCE COMPANY | Disability | 0 | Jan 1, 2026 | $28,244 | $11,291 |
| PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | — | 340 | Jan 1, 2026 | $60,683 | $8,223 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 2,785 | Jan 1, 2026 | $7,604 | $0 |
Premium and claims on this contract
STANDARD INSURANCE COMPANY, contract 166425. For the contract year on this filing, the carrier reported $1,347 in premium earned and $-822,421 in claims incurred. Dividing one by the other gives -61056%.
- STANDARD INSURANCE COMPANY, contract 166425 reported $823,769 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: 2,811 employees, 36 recordable cases, 390 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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Renewal calendar
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