Form 5500 · Employee benefit plan · MIRAMAR BEACH, FL
SANDESTIN BEACH HOTEL, LTD.
The filing calls this plan SANDESTIN BEACH HILTON WELFARE BENEFITS PLAN.
SANDESTIN BEACH HOTEL, LTD. of MIRAMAR BEACH, FL spreads its employee benefits across 4 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is MCGRIFF INSURANCE SERVICES INC. Coverage is written through BLUE CROSS BLUE SHIELD OF FLORIDA and 3 other carriers. The plan's most recent policy period ended in July.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-3398821 · plan 501 · plan year 2025, filed Feb 28, 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
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 4 insured contracts covering health, dental, vision and life; the largest, with BLUE CROSS BLUE SHIELD OF FLORIDA, covers 253 people.
The filing declares health, dental, life and disability. Disability appears with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
Reported premium across the insured contracts is $2,903,922, with $116,182 in disclosed broker commissions — about 4% of premium.
The most recent policy period ended in July, and the plan year ends July 31. Group contracts typically renew on that annual cycle.
MCGRIFF INSURANCE SERVICES INC is the broker of record on 2 of the 4 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA | Health | 253 | Aug 1, 2025 | $2,580,477 | $80,397 |
| HARTFORD LIFE AND ACCIDENT | Life | 249 | Aug 1, 2025 | $161,519 | $24,228 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental | 422 | Aug 1, 2025 | $139,870 | $9,501 |
| EYEMED VISION CARE | Vision | 324 | Aug 1, 2025 | $22,056 | $2,056 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF FLORIDA, contract 59214. For the contract year on this filing, the carrier reported $2,580,477 in premium earned and the same figure again in claims incurred.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract 59214 reported $0 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.
Reported to OSHA
Reported to OSHA for 2025: 450 employees, 35 recordable cases, 20 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
How this plan compares
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