Form 5500 · Employee benefit plan · MIAMI, FL
SOUTHERN GLAZER'S WINE & SPIRITS, LLC
The filing calls this plan SOUTHERN GLAZER'S WINE & SPIRITS, LLC WELFARE EMPLOYEE BENEFIT PLAN.
SOUTHERN GLAZER'S WINE & SPIRITS, LLC of MIAMI, FL is a 20,068-participant wholesale trade employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is PACIFIC RESOURCES BENEFIT ADVISORS. Coverage is written through PRUDENTIAL INSURANCE COMPANY OF AMERICA and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-1285786 · plan 501 · plan year 2025, filed Jul 9, 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
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Health: the largest of the 4 insured health contracts, with KAISER FOUNDATION HEALTH PLAN, INC., covers 643 of 20,068 participants (3.2%) on Schedule A.
Dental: the largest of the 3 insured dental contracts, with HAWAII MEDICAL SERVICE ASSOCIATION, covers 363 of 20,068 participants (1.8%) on Schedule A.
Vision: the largest of the 5 insured vision contracts, with KAISER FOUNDATION HEALTH PLAN, INC., covers 643 of 20,068 participants (3.2%) on Schedule A.
Also declared: death benefits, 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 8 insured contracts covering health, dental, vision, life and disability; the largest, with PRUDENTIAL INSURANCE COMPANY OF AMERICA, covers 19,452 people.
Reported premium across the insured contracts is $26,053,997, with $1,035,090 in disclosed broker commissions — about 4% 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.
PACIFIC RESOURCES BENEFIT ADVISORS is the broker of record on 1 of the 8 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including PRUDENTIAL INSURANCE COMPANY OF AMERICA, KAISER FOUNDATION HEALTH PLAN, INC., HAWAII MEDICAL SERVICE ASSOCIATION and VISION SERVICE PLAN. PRUDENTIAL INSURANCE COMPANY OF AMERICA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Life, Disability | 19,452 | Jan 1, 2026 | $9,933,552 | $684,283 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health, Vision | 643 | Jan 1, 2026 | $6,317,339 | $189,337 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health, Vision | 514 | Jan 1, 2026 | $4,775,626 | $143,908 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health, Dental, Vision | 58 | Jan 1, 2026 | $450,216 | $17,562 |
| HAWAII MEDICAL SERVICE ASSOCIATION | Health, Dental, Vision | 363 | Jan 1, 2026 | $2,483,121 | $0 |
| VISION SERVICE PLAN | Vision | 13,532 | Jan 1, 2026 | $1,533,599 | $0 |
| AETNA LIFE INSURANCE COMPANY | Dental | 1,656 | Jan 1, 2026 | $325,598 | $0 |
| COMPSYCH CORPORATION | — | 18,922 | Jan 1, 2026 | $234,946 | $0 |
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: 21,726 employees, 753 recordable cases, 22,438 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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