Form 5500 · Employee benefit plan · LAKELAND, FL
WATSON CLINIC LLP
The filing calls this plan WATSON CLINIC HEALTH CARE PLAN.
WATSON CLINIC LLP of LAKELAND, FL is a 1,548-participant health care and social assistance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is STEALTH PARTNER GROUP, LLC. Coverage is written through TOKIO MARINE HCC and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-0704934 · plan 501 · plan year 2024, filed Aug 4, 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.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
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 4 insured contracts covering health and stop-loss; the largest, with TOKIO MARINE HCC, covers 1,566 people.
The filing lists a stop-loss contract. On its own that does not settle whether the plan pays its own claims.
Reported premium is $3,446,744; the filing discloses no broker commission on these contracts.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
STEALTH PARTNER GROUP, LLC is the broker of record on 1 of the 4 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| TOKIO MARINE HCC | Stop-loss | 1,566 | Jan 1, 2025 | $1,724,451 | $0 |
| TOKIO MARINE HCC | Health | 1,574 | Jan 1, 2025 | $1,696,378 | $0 |
| BLUE CROSS BLUE SHIELD OF FLORIDA | Health | 7 | Jan 1, 2025 | $15,364 | $0 |
| TOKIO MARINE | Stop-loss | 9 | Jan 1, 2025 | $10,551 | $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.
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
How this plan compares
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