Form 5500 · Employee benefit plan · DAVIE, FL
THERMAL CONCEPTS INC.
The filing calls this plan THERMAL CONCEPTS HEALTH AND WELFARE PLAN.
THERMAL CONCEPTS INC. of DAVIE, FL insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is BROWN & BROWN INSURANCE SERVICES. Coverage is written through BLUE CROSS BLUE SHIELD OF FLORIDA and 4 other carriers. The plan's most recent policy period ended in July.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-2317557 · plan 501 · plan year 2025, filed Mar 2, 2026
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140 other employer plans in Florida have policy years ending in July. 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.
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 9 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF FLORIDA, covers 146 people.
Reported premium across the insured contracts is $2,616,730, with $167,202 in disclosed broker commissions — about 6.4% of premium.
The most recent policy period ended in July, and the plan year ends July 31. Group contracts typically renew on that annual cycle.
BROWN & BROWN INSURANCE SERVICES is the broker of record on 4 of the 9 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF FLORIDA, HEALTH OPTIONS, COLONIAL LIFE & ACCIDENT INSURANCE COMPANY and UNITED OF OMAHA LIFE INSURANCE COMPANY. BLUE CROSS BLUE SHIELD OF FLORIDA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA | Health | 146 | Aug 1, 2025 | $1,822,349 | $91,117 |
| HEALTH OPTIONS | Health | 44 | Aug 1, 2025 | $504,165 | $25,208 |
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | 160 | Aug 1, 2025 | $106,648 | $24,221 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | — | 85 | Aug 1, 2025 | $60,225 | $9,034 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 58 | Aug 1, 2025 | $41,766 | $6,265 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 131 | Aug 1, 2025 | $35,881 | $5,382 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 274 | Aug 1, 2025 | $18,663 | $2,800 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Vision | 174 | Aug 1, 2025 | $20,166 | $2,017 |
| FLORIDA COMBINED LIFE | Health, Dental | 79 | Aug 1, 2025 | $6,867 | $1,158 |
Premium and claims on these contracts
BLUE CROSS BLUE SHIELD OF FLORIDA, contract 90153. For the contract year on this filing, the carrier reported $1,822,349 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
HEALTH OPTIONS, contract 90153. For the contract year on this filing, the carrier reported $504,165 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract 90153 reported $391,804 in retention.
- HEALTH OPTIONS, contract 90153 reported $105,774 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.
Other plans filed by this employer
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