Form 5500 · Employee benefit plan · MIAMI, FL
WHETSTONE MANAGEMENT LLC
The filing calls this plan WHETSTONE MANAGEMENT LLC HEALTH AND WELFARE BENEFIT PLAN.
Public Form 5500 records show how WHETSTONE MANAGEMENT LLC of MIAMI, FL, a real estate employer, structures its employee benefits. Its broker of record is 4 QUOTES LLC DBA INSURANCEUNDE. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in November.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 46-4056317 · plan 510 · plan year 2025, filed Jun 15, 2026
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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.
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 3 insured contracts covering health, dental, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 188 people.
Reported premium across the insured contracts is $1,393,611, with $70,610 in disclosed broker commissions — about 5.1% of premium.
The most recent policy period ended in November, and the plan year ends November 30. Group contracts typically renew on that annual cycle.
4 QUOTES LLC DBA INSURANCEUNDE is the broker of record on 1 of the 3 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including CIGNA HEALTH AND LIFE INSURANCE COMPANY, THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA and TRANSAMERICA LIFE INSURANCE COMPANY. CIGNA HEALTH AND LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision, Life, Disability | 266 | Dec 1, 2025 | $206,879 | $47,086 |
| TRANSAMERICA LIFE INSURANCE COMPANY | — | 161 | Dec 1, 2025 | $71,108 | $23,524 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 188 | Dec 1, 2025 | $1,115,624 | $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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