Form 5500 · Employee benefit plan · JACKSONVILLE, FL
W. GARDNER, LLC
The filing calls this plan W. GARDNER, LLC WELFARE BENEFIT PLAN.
W. GARDNER, LLC of JACKSONVILLE, FL insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is BALDWIN KRYSTYN SHERMAN PARTNERS. Coverage is written through HEALTH OPTIONS and 3 other carriers. The plan's most recent policy period ended in February.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 82-0930868 · plan 501 · plan year 2025, filed Jul 23, 2025
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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 5 insured contracts covering health, dental, vision, life and disability; the largest, with HEALTH OPTIONS, covers 53 people.
Reported premium across the insured contracts is $1,020,558, with $60,587 in disclosed broker commissions — about 5.9% of premium.
The most recent policy period ended in February, and the plan year ends February 28. Group contracts typically renew on that annual cycle.
BALDWIN KRYSTYN SHERMAN PARTNERS is the broker of record on 4 of the 5 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including HEALTH OPTIONS, BLUE CROSS BLUE SHIELD OF FLORIDA, THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA and USABLE LIFE. HEALTH OPTIONS writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HEALTH OPTIONS | Health | 53 | Mar 1, 2025 | $490,411 | $24,521 |
| BLUE CROSS BLUE SHIELD OF FLORIDA | Health | 35 | Mar 1, 2025 | $409,982 | $20,499 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision, Life, Disability | 109 | Mar 1, 2025 | $105,154 | $13,740 |
| USABLE LIFE | Life | 144 | Mar 1, 2025 | $10,263 | $941 |
| USABLE LIFE | — | 36 | Mar 1, 2025 | $4,748 | $886 |
Premium and claims on these contracts
HEALTH OPTIONS, contract S9918. For the contract year on this filing, the carrier reported $490,411 in premium earned and $381,049 in claims incurred. Dividing one by the other gives 78%.
BLUE CROSS BLUE SHIELD OF FLORIDA, contract S9918. For the contract year on this filing, the carrier reported $409,982 in premium earned and $327,576 in claims incurred. Dividing one by the other gives 80%.
- HEALTH OPTIONS, contract S9918 reported $109,362 in retention.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract S9918 reported $82,406 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: 173 employees, 10 recordable cases, 99 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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