Form 5500 · Employee benefit plan · CORAL GABLES, FL
UNIVERSITY OF MIAMI
The filing calls this plan UNIVERSITY OF MIAMI HEALTH AND WELFARE PLAN.
UNIVERSITY OF MIAMI of CORAL GABLES, FL insures health, dental and vision coverage for its employees, per Schedule A of its Form 5500. Its broker of record is GALLAGHER BENEFIT SERVICES, INC.. Coverage is written through DELTA DENTAL INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-0624458 · plan 516 · plan year 2024, filed Jul 24, 2025
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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
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
Benefits declared on this filing
Also declared: prepaid legal, 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 4 insured contracts covering health, dental and vision; the largest, with DELTA DENTAL INSURANCE COMPANY, covers 15,131 people.
Reported premium across the insured contracts is $10,718,627, with $91,676 in disclosed broker commissions — about 0.9% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
GALLAGHER BENEFIT SERVICES, INC. is the broker of record on 3 of the 4 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including DELTA DENTAL INSURANCE COMPANY, CIGNA HEALTH AND LIFE INSURANCE COMPANY, VISION SERVICE PLAN and METLIFE LEGAL PLANS OF FLORIDA. DELTA DENTAL INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| DELTA DENTAL INSURANCE COMPANY | Dental | 15,131 | Jan 1, 2025 | $7,365,909 | $73,659 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 7,535 | Jan 1, 2025 | $1,801,721 | $18,017 |
| VISION SERVICE PLAN | Vision | 11,180 | Jan 1, 2025 | $1,077,345 | $0 |
| METLIFE LEGAL PLANS OF FLORIDA | — | 2,331 | Jan 1, 2025 | $473,652 | $0 |
Premium and claims on this contract
VISION SERVICE PLAN, contract 12328092. For the contract year on this filing, the carrier reported $1,077,345 in premium earned and $1,073,152 in claims incurred. Dividing one by the other gives 100%.
- VISION SERVICE PLAN, contract 12328092 reported $150,828 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: 12,463 employees, 389 recordable cases, 4,531 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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