Form 5500 · Employee benefit plan · NORTH MIAMI, FL
WARREN HENRY AUTOMOBILES, INC.
The filing calls this plan WARREN HENRY AUTOMOBILES WELFARE BENEFIT PLAN.
WARREN HENRY AUTOMOBILES, INC. of NORTH MIAMI, FL is a 534-participant retail employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is LOCKTON COMPANIES, LLC. Coverage is written through UNITEDHEALTHCARE INSURANCE COMPANY and 4 other carriers. The plan's most recent policy period ended in May.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-2594999 · plan 502 · plan year 2025, filed Mar 9, 2026
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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
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: 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 12 insured contracts covering health, dental, vision, life and disability; the largest, with UNITEDHEALTHCARE INSURANCE COMPANY, covers 361 people.
Reported premium across the insured contracts is $3,972,420, with $106,700 in disclosed broker commissions — about 2.7% of premium.
The most recent policy period ended in May, and the plan year ends May 31. Group contracts typically renew on that annual cycle.
LOCKTON COMPANIES, LLC is the broker of record on 9 of the 12 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including UNITEDHEALTHCARE INSURANCE COMPANY, THE LINCOLN NATIONAL LIFE INSURANCE COMPANY, ARMADACARE and FIDELITY SECURITY LIFE INSURANCE COMPANY. UNITEDHEALTHCARE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNITEDHEALTHCARE INSURANCE COMPANY | Health, Dental, Annuity / GIC | 361 | Jun 1, 2025 | $3,380,889 | $31,348 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 565 | Jun 1, 2025 | $168,703 | $25,305 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 112 | Jun 1, 2025 | $110,326 | $16,549 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 160 | Jun 1, 2025 | $91,515 | $13,727 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 71 | Jun 1, 2025 | $32,365 | $6,473 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 131 | Jun 1, 2025 | $25,410 | $5,082 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 565 | Jun 1, 2025 | $28,601 | $4,290 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 58 | Jun 1, 2025 | $16,905 | $3,381 |
| ARMADACARE | Health | 4 | Nov 1, 2024 | $81,936 | $300 |
| PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | — | 9 | Jun 1, 2025 | $1,781 | $245 |
| FIDELITY SECURITY LIFE INSURANCE COMPANY | Vision | 394 | Jun 1, 2025 | $33,696 | $0 |
| PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | — | 2 | Jun 1, 2025 | $293 | $0 |
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.
Other plans filed by this employer
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