Form 5500 · Employee benefit plan · JACKSONVILLE, FL
SWISHER INTERNATIONAL INC
The filing calls this plan SWISHER INTERNATIONAL, INC. EMPLOYEE BENEFIT PLAN RWDSU (JAX).
SWISHER INTERNATIONAL INC of JACKSONVILLE, FL insures health, dental, vision and life coverage for its employees, per Schedule A of its Form 5500. Its broker of record is GALLAGHER BENEFIT SERVICES, INC.. Coverage is written through HEALTH OPTIONS and 5 other carriers. The plan's most recent policy period ended in May.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-1150320 · plan 512 · plan year 2024, filed Oct 9, 2025
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200 other employer plans in Florida have policy years ending in May. 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
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 6 insured contracts covering health, dental, vision and life; the largest, with HEALTH OPTIONS, covers 92 people.
Reported premium across the insured contracts is $2,957,279, with $129,985 in disclosed broker commissions — about 4.4% of premium.
The health contract's policy period ended in May, while at least one ancillary line's policy period ended in December. The plan is on a split renewal cycle.
GALLAGHER BENEFIT SERVICES, INC. is the broker of record on 3 of the 6 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including HEALTH OPTIONS, THE LINCOLN NATIONAL LIFE INSURANCE COMPANY, THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA and BLUE CROSS BLUE SHIELD OF FLORIDA. HEALTH OPTIONS writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 1,258 | Jan 1, 2025 | $796,552 | $79,655 |
| HEALTH OPTIONS | Health | 92 | Jun 1, 2024 | $2,047,428 | $40,949 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision | 88 | Jun 1, 2024 | $55,842 | $8,156 |
| BLUE CROSS BLUE SHIELD OF FLORIDA | Health | 4 | Jun 1, 2024 | $52,122 | $1,042 |
| PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | — | 7 | Sep 1, 2024 | $1,465 | $183 |
| HEALTH ADVOCATE SOLUTIONS, INC. | — | 158 | Jan 1, 2025 | $3,870 | $0 |
Premium and claims on these contracts
HEALTH OPTIONS, contract 38787. For the contract year on this filing, the carrier reported $2,047,428 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, contract 00386747. For the contract year on this filing, the carrier reported $55,842 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
BLUE CROSS BLUE SHIELD OF FLORIDA, contract 38787. For the contract year on this filing, the carrier reported $52,122 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
- HEALTH OPTIONS, contract 38787 reported $257,157 in retention.
- THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, contract 00386747 reported $2,877 in retention.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract 38787 reported $6,547 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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