Form 5500 · Employee benefit plan · EDGEWATER, FL
RJ DOUGHERTY ASSOCIATES, LLC
The filing calls this plan RJ DOUGHERTY ASSOCIATES LLC LIFE AD&D.
RJ DOUGHERTY ASSOCIATES, LLC of EDGEWATER, FL insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is BROWN & BROWN INC.. Coverage is written through FLORIDA HEALTH CARE PLANS, INC. and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-3092773 · plan 502 · plan year 2025, filed Jun 17, 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.
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 6 insured contracts covering health, dental, vision, life and disability; the largest, with FLORIDA HEALTH CARE PLANS, INC., covers 269 people.
Reported premium across the insured contracts is $2,153,585, with $144,169 in disclosed broker commissions — about 6.7% 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.
BROWN & BROWN INC. is the broker of record on 1 of the 6 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including FLORIDA HEALTH CARE PLANS, INC., BLUE CROSS BLUE SHIELD OF FLORIDA, USABLE LIFE and DELTA DENTAL INSURANCE COMPANY. FLORIDA HEALTH CARE PLANS, INC. writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| FLORIDA HEALTH CARE PLANS, INC. | Health | 269 | Jan 1, 2026 | $1,465,972 | $87,958 |
| BLUE CROSS BLUE SHIELD OF FLORIDA | Health | 28 | Jan 1, 2026 | $398,432 | $21,794 |
| USABLE LIFE | Life, Disability | 258 | Jan 1, 2026 | $140,739 | $21,198 |
| DELTA DENTAL INSURANCE COMPANY | Dental | 340 | Jan 1, 2026 | $120,649 | $12,057 |
| VISION SERVICE PLAN | Vision | 162 | Jan 1, 2026 | $22,525 | $1,162 |
| CURALINC LLC | — | 307 | Jan 1, 2026 | $5,268 | $0 |
Premium and claims on these contracts
FLORIDA HEALTH CARE PLANS, INC., contract #730*. For the contract year on this filing, the carrier reported $1,465,972 in premium earned and $877,742 in claims incurred. Dividing one by the other gives 60%.
BLUE CROSS BLUE SHIELD OF FLORIDA, contract 91171. For the contract year on this filing, the carrier reported $398,432 in premium earned and $318,028 in claims incurred. Dividing one by the other gives 80%.
- FLORIDA HEALTH CARE PLANS, INC., contract #730* reported $588,230 in retention.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract 91171 reported $80,403 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: 241 employees, 6 recordable cases, 16 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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