Form 5500 · Employee benefit plan · CORAL GABLES, FL
SOUTHWEST FLORIDA ENTERPRISES, INC.
The filing calls this plan SOUTHWEST FLORIDA ENTERPRISES, INC. EMPLOYEE WELFARE BENEFITS PLAN.
SOUTHWEST FLORIDA ENTERPRISES, INC. of CORAL GABLES, FL insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is NORTH RISK PARTNERS LLC. Coverage is written through UNITEDHEALTHCARE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-1263670 · plan 510 · plan year 2025, filed Aug 11, 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: 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 3 insured contracts covering health, dental, vision, life and disability; the largest, with UNITEDHEALTHCARE INSURANCE COMPANY, covers 410 people.
Reported premium across the insured contracts is $1,293,082, with $45,082 in disclosed broker commissions — about 3.5% 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.
NORTH RISK PARTNERS LLC is the broker of record on 1 of the 3 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including UNITEDHEALTHCARE INSURANCE COMPANY, HARTFORD LIFE AND ACCIDENT and AMERICAN PUBLIC LIFE INSURANCE COMPANY. UNITEDHEALTHCARE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| AMERICAN PUBLIC LIFE INSURANCE COMPANY | Health | 199 | Jan 1, 2026 | $67,847 | $25,706 |
| HARTFORD LIFE AND ACCIDENT | Life, Disability | 55 | Jan 1, 2026 | $88,105 | $11,412 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Health, Dental, Vision | 410 | Jan 1, 2026 | $1,137,130 | $7,964 |
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: 179 employees, 1 recordable cases, 0 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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