Form 5500 · Employee benefit plan · ST. AUGUSTINE, FL
ROY H. HINMAN, II MD PA DBA ISLAND DOCTORS MSO
The filing calls this plan ISLAND DOCTORS HEALTH AND WELFARE BENEFIT PLAN.
ROY H. HINMAN, II MD PA DBA ISLAND DOCTORS MSO of ST. AUGUSTINE, FL insures health, dental and vision coverage for its employees, per Schedule A of its Form 5500. Its broker of record is MFB FINANCIAL INC. Coverage is written through BLUE CROSS BLUE SHIELD OF FLORIDA and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-3112273 · plan 501 · plan year 2025, filed Jul 22, 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
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
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 4 insured contracts covering health, dental and vision; the largest, with BLUE CROSS BLUE SHIELD OF FLORIDA, covers 186 people.
Reported premium across the insured contracts is $3,342,294, with $158,223 in disclosed broker commissions — about 4.7% 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.
MFB FINANCIAL INC is the broker of record on 2 of the 4 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF FLORIDA, HEALTH OPTIONS, FLORIDA COMBINED LIFE and HUMANA INSURANCE COMPANY. 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 | 186 | Jan 1, 2026 | $1,953,998 | $78,160 |
| HEALTH OPTIONS | Health | 111 | Jan 1, 2026 | $1,173,799 | $46,952 |
| FLORIDA COMBINED LIFE | Dental | 312 | Jan 1, 2026 | $193,874 | $31,351 |
| HUMANA INSURANCE COMPANY | Vision | 284 | Jan 1, 2026 | $20,623 | $1,760 |
Premium and claims on these contracts
BLUE CROSS BLUE SHIELD OF FLORIDA, contract S9036. For the contract year on this filing, the carrier reported $1,953,998 in premium earned and $1,551,279 in claims incurred. Dividing one by the other gives 79%.
HEALTH OPTIONS, contract S9036. For the contract year on this filing, the carrier reported $1,173,799 in premium earned and $931,879 in claims incurred. Dividing one by the other gives 79%.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract S9036 reported $402,719 in retention.
- HEALTH OPTIONS, contract S9036 reported $241,920 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.
Other plans filed by this employer
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