Form 5500 · Employee benefit plan · KEY WEST, FL
SPOTTSWOOD COMPANIES, INC.
The filing calls this plan SPOTTSWOOD COMPANIES, INC. GROUP HEALTH PLAN.
Public Form 5500 records show how SPOTTSWOOD COMPANIES, INC. of KEY WEST, FL, a hospitality and food service employer, structures its employee benefits. Its broker of record is BALDWIN KRYSTYN SHERMAN PARTNERS. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 65-0866227 · plan 501 · plan year 2024, filed Feb 7, 2025
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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 1 insured contract covering health and vision; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 89 people.
Reported premium across the insured contracts is $513,691, with $39,281 in disclosed broker commissions — about 7.6% of premium.
The most recent policy period ended in June, and the plan year ends June 30. Group contracts typically renew on that annual cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Vision | 89 | Jul 1, 2024 | $513,691 | $39,281 |
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. The service providers are named on Schedule C of this filing. We publish company names only.
Other plans filed by this employer
How this plan compares
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