Form 5500 · Employee benefit plan · JACKSONVILLE, FL
YMCA OF FLORIDAS FIRST COAST
Public Form 5500 records show how YMCA OF FLORIDAS FIRST COAST of JACKSONVILLE, FL, a arts, entertainment and recreation employer, structures its employee benefits. Its broker of record is MFB FINANCIAL, INC. Coverage is written through BLUE CROSS BLUE SHIELD OF FLORIDA and 5 other carriers. The plan's most recent policy period ended in September.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-0638514 · plan 501 · plan year 2025, filed Apr 30, 2026
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
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, 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 11 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF FLORIDA, covers 67 people.
Reported premium across the insured contracts is $1,506,602, with $115,706 in disclosed broker commissions — about 7.7% of premium.
The most recent policy period ended in September, and the plan year ends September 30. Group contracts typically renew on that annual cycle.
MFB FINANCIAL, INC is the broker of record on 9 of the 11 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF FLORIDA, HEALTH OPTIONS, FLORIDA COMBINED LIFE and THE LINCOLN NATIONAL LIFE 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 | 67 | Oct 1, 2025 | $680,121 | $25,532 |
| FLORIDA COMBINED LIFE | Dental | 129 | Oct 1, 2025 | $101,816 | $24,689 |
| HEALTH OPTIONS | Health | 50 | Oct 1, 2025 | $498,674 | $21,656 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 181 | Oct 1, 2025 | $79,509 | $15,902 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 207 | Oct 1, 2025 | $46,154 | $9,231 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 70 | Oct 1, 2025 | $33,351 | $6,670 |
| USABLE LIFE | — | 57 | Oct 1, 2025 | $16,157 | $4,424 |
| USABLE LIFE | — | 54 | Oct 1, 2025 | $12,158 | $3,951 |
| PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | — | 58 | Oct 1, 2025 | $9,655 | $1,566 |
| BLUE CROSS BLUE SHIELD OF FLORIDA | Vision | 110 | Oct 1, 2025 | $23,807 | $1,119 |
| USABLE LIFE | Life | 181 | Oct 1, 2025 | $5,200 | $966 |
Premium and claims on these contracts
BLUE CROSS BLUE SHIELD OF FLORIDA, contract 51898. For the contract year on this filing, the carrier reported $680,121 in premium earned and $513,900 in claims incurred. Dividing one by the other gives 76%.
HEALTH OPTIONS, contract 51898. For the contract year on this filing, the carrier reported $498,674 in premium earned and $400,236 in claims incurred. Dividing one by the other gives 80%.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract 51898 reported $166,223 in retention.
- HEALTH OPTIONS, contract 51898 reported $98,438 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.
How this plan compares
Subscribers see how this compares with similar plans in Florida. A subscription also adds this plan's filing history and the renewal calendar for its state. See plans and prices
Without an account you can open 10 employer, broker and carrier pages a day, including through an AI assistant, and 50 a day with a free account. Paid plans are what keep these records free to read.
More employer plans in Florida — largest plans, brokers, carriers and renewal months.