Form 5500 · Employee benefit plan · JACKSONVILLE, FL
SWISHER INTERNATIONAL INC
The filing calls this plan SWISHER INTERNATIONAL, INC. NON-BARGAINING BENEFIT PLAN.
SWISHER INTERNATIONAL INC of JACKSONVILLE, FL insures health, dental, vision, life and stop-loss coverage for its employees, per Schedule A of its Form 5500. Its broker of record is GALLAGHER BENEFIT SERVICES, INC.. Coverage is written through FLORIDA BLUE and 7 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-1150320 · plan 511 · plan year 2024, filed Oct 28, 2025
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
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
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.
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
5 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
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.
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 9 insured contracts covering health, dental, vision, life and stop-loss; the largest, with FLORIDA BLUE, covers 726 people.
The filing declares health, dental, vision, life and disability. Disability appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on one of the 5 contracts here that do not say what they cover.
The filing lists a stop-loss contract. On its own that does not settle whether the plan pays its own claims.
Reported premium across the insured contracts is $14,401,095, with $193,037 in disclosed broker commissions — about 1.3% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in August. The plan is on a split renewal cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 2,785 | Jan 1, 2025 | $796,552 | $79,655 |
| HARTFORD LIFE AND ACCIDENT | — | 570 | Jan 1, 2025 | $122,100 | $78,904 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 780 | Jan 1, 2025 | $259,056 | $25,906 |
| HUMANA INSURANCE COMPANY | Vision | 609 | Jan 1, 2025 | $85,960 | $8,389 |
| PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | — | 7 | Sep 1, 2024 | $1,465 | $183 |
| FLORIDA BLUE | Health, Stop-loss | 726 | Jan 1, 2025 | $13,091,531 | $0 |
| HEALTH ADVOCATE SOLUTIONS, INC. | — | 841 | Jan 1, 2025 | $44,431 | $0 |
| HEALTHEQUITY | — | 367 | Jan 1, 2025 | — | $0 |
| HUMANADENTAL INSURANCE COMPANY | Dental | 702 | Jan 1, 2025 | — | $0 |
Premium and claims on these contracts
HARTFORD LIFE AND ACCIDENT, contract 922467G. For the contract year on this filing, the carrier reported $122,100 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
HUMANA INSURANCE COMPANY, contract 634339. For the contract year on this filing, the carrier reported $85,960 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
FLORIDA BLUE, contract 98830. For the contract year on this filing, the carrier reported $13,091,531 in premium earned and $11,972,840 in claims incurred. Dividing one by the other gives 91%.
- HARTFORD LIFE AND ACCIDENT, contract 922467G reported $0 in retention.
- HUMANA INSURANCE COMPANY, contract 634339 reported $0 in retention.
- FLORIDA BLUE, contract 98830 reported $1,118,691 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.
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: 1,079 employees, 21 recordable cases, 792 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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