Form 5500 · Employee benefit plan · JACKSONVILLE, FL
RIVER CITY EDUCATION SERVICES
The filing calls this plan RIVER CITY EDUCATION SERVICES WELFARE BENEFIT PLAN.
RIVER CITY EDUCATION SERVICES of JACKSONVILLE, FL is a 499-participant education employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is HUB INTERNATIONAL MIDWEST LIMITED. Coverage is written through HEALTH OPTIONS and 4 other carriers. The plan's most recent policy period ended in October.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 20-5773949 · plan 501 · plan year 2025, filed Jan 30, 2026
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151 other employer plans in Florida have policy years ending in October. 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: 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.
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, life and disability; the largest, with HEALTH OPTIONS, covers 445 people.
Reported premium across the insured contracts is $4,071,952, with $276,594 in disclosed broker commissions — about 6.8% of premium.
The most recent policy period ended in October, and the plan year ends October 31. Group contracts typically renew on that annual cycle.
HUB INTERNATIONAL MIDWEST LIMITED is the broker of record on all 5 contracts.
5 carriers appear on the filing, including HEALTH OPTIONS, BLUE CROSS BLUE SHIELD OF FLORIDA, THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA and CONTINENTAL AMERICAN INSURANCE COMPANY. HEALTH OPTIONS writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HEALTH OPTIONS | Health | 445 | Nov 1, 2025 | $2,030,494 | $101,525 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Life, Disability | 533 | Nov 1, 2025 | $372,605 | $81,625 |
| BLUE CROSS BLUE SHIELD OF FLORIDA | — | 322 | Nov 1, 2025 | $1,594,515 | $79,726 |
| CONTINENTAL AMERICAN INSURANCE COMPANY | — | 119 | Nov 1, 2025 | $39,226 | $7,224 |
| EYEMED VISION CARE | Vision | 476 | Nov 1, 2025 | $35,112 | $6,494 |
Premium and claims on these contracts
HEALTH OPTIONS, contract A3292. For the contract year on this filing, the carrier reported $2,030,494 in premium earned and $1,588,050 in claims incurred. Dividing one by the other gives 78%.
BLUE CROSS BLUE SHIELD OF FLORIDA, contract A3292. For the contract year on this filing, the carrier reported $1,594,515 in premium earned and $1,165,590 in claims incurred. Dividing one by the other gives 73%.
- HEALTH OPTIONS, contract A3292 reported $442,445 in retention.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract A3292 reported $428,924 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.
How this plan compares
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Renewal calendar
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