Form 5500 · Employee benefit plan · FORT PIERCE, FL
ST. LUCIE BATTERY & TIRE
The filing calls this plan ST. LUCIE BATTERY & TIRE HEALTH AND WELFARE PLAN.
ST. LUCIE BATTERY & TIRE of FORT PIERCE, FL is a 238-participant retail employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is USI INSURANCE SERVICES LLC. Coverage is written through TRULI and 2 other carriers. The plan's most recent policy period ended in August.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-2231012 · plan 505 · plan year 2025, filed Feb 19, 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: 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 3 insured contracts covering health, dental, vision, life and disability; the largest, with TRULI, covers 111 people.
Reported premium across the insured contracts is $1,022,284, with $33,404 in disclosed broker commissions — about 3.3% of premium.
The most recent policy period ended in August, and the plan year ends August 31. Group contracts typically renew on that annual cycle.
USI INSURANCE SERVICES LLC is the broker of record on 2 of the 3 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including TRULI, BLUE CROSS BLUE SHIELD OF FLORIDA and THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA. TRULI writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Health, Dental, Vision, Life, Disability | 228 | Sep 1, 2025 | $150,745 | $26,578 |
| BLUE CROSS BLUE SHIELD OF FLORIDA | Health | 7 | Sep 1, 2025 | $202,205 | $6,826 |
| TRULI | Health | 111 | Sep 1, 2025 | $669,334 | $0 |
Premium and claims on these contracts
BLUE CROSS BLUE SHIELD OF FLORIDA, contract 39064. For the contract year on this filing, the carrier reported $202,205 in premium earned and $159,782 in claims incurred. Dividing one by the other gives 79%.
TRULI, contract 39064. For the contract year on this filing, the carrier reported $669,334 in premium earned and $512,710 in claims incurred. Dividing one by the other gives 77%.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract 39064 reported $42,423 in retention.
- TRULI, contract 39064 reported $156,624 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: 200 employees, 19 recordable cases, 0 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
One establishment filed under this EIN is left out of these figures: the hours and employees it reported could not both be right.
Other plans filed by this employer
How this plan compares
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