Form 5500 · Employee benefit plan · WEST PALM BEACH, FL
VITALITY HOME CARE, INC.
The filing calls this plan VITALITY HOME CARE WRAP BENEFIT PLAN.
VITALITY HOME CARE, INC. of WEST PALM BEACH, FL insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is MARSH AND MCLENNAN AGENCY. Coverage is written through BLUE CROSS BLUE SHIELD OF FLORIDA and 4 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 81-2019673 · plan 503 · plan year 2025, filed Jan 20, 2026
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282 other employer plans in Florida have policy years ending in June. 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: death benefits.
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, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF FLORIDA, covers 466 people.
Reported premium across the insured contracts is $7,440,348, with $338,895 in disclosed broker commissions — about 4.6% of premium.
The most recent policy period ended in June, and the plan year ends June 30. Group contracts typically renew on that annual cycle.
MARSH AND MCLENNAN AGENCY is the broker of record on 4 of the 6 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF FLORIDA, AFLAC, FLORIDA COMBINED LIFE and ZURICH AMERICAN 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 | 466 | Jul 1, 2025 | $6,271,255 | $155,147 |
| AFLAC | Health, Dental, Vision, Life, Disability | 364 | Jan 1, 2025 | $559,300 | $87,903 |
| ZURICH AMERICAN INSURANCE COMPANY | — | 37 | Jul 1, 2025 | $189,540 | $56,829 |
| FLORIDA COMBINED LIFE | Dental | 467 | Jul 1, 2025 | $244,544 | $23,874 |
| USABLE LIFE | Life | 629 | Jul 1, 2025 | $104,283 | $13,195 |
| BLUE CROSS BLUE SHIELD OF FLORIDA | Vision | 392 | Jul 1, 2025 | $71,426 | $1,947 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF FLORIDA, contract B9798. For the contract year on this filing, the carrier reported $6,271,255 in premium earned and $5,067,174 in claims incurred. Dividing one by the other gives 81%.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract B9798 reported $1,204,081 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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