Central Florida Health Care, Inc.

Winter Haven, FL Health careNAICS 621498

Self-funded health planPlan year 2025Renews February
666Participants+15% vs. prior year
$1.6MEst. pharmacy spend / yrParticipants × national avg.
Feb 2027Next renewalPlan year begins February 1
#71 of 89Health care in FLBy participants

Overview

Central Florida Health Care, Inc. sponsors a self-funded health plan that covered 666 participants in plan year 2025, up 15% from the prior year. The plan year starts in February. Alongside medical, its benefits filing reports life insurance, dental, vision, short-term disability, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
666 · prior year 578
Plan year
Begins February 1 · next renewal February 2027
Health plans filed
Central Florida Health Care, Inc. Welfare Benefits Plan, plan 501 (666 participants)
Stop-loss carrier
Sun Life Assurance Company of Canada
Broker compensation
$374K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityDeath benefits

Insurance carriers

Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.

CarrierCoverageCoveredPremiumBroker comp
Sun Life Assurance Company of CanadaDental, Vision, Life, Short-term disability, Long-term disability, Stop-loss666$2.3M$374K

Pharmacy benefit estimate

StreamRX estimate for a plan this size. Not based on this plan's claims.

$1.6M/ year

Estimated prescription spend: 666 participants × $2,371 national average per member. Usually higher once dependents are counted.

$41K–$101K/ year

Typical savings opportunity found in independent reviews of plans this size.

Brands with a generic available$12K–$30K
Lower-cost therapeutic alternatives$18K–$37K
Generic pricing vs. actual cost$8K–$23K
PBM contract terms$4K–$12K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning February 2028: semiannual PBM compensation reports and an annual audit right.

Form 5500 filing details

Filing
Form 5500 with Schedule A, plan year 2025
Plan sponsor
Central Florida Health Care, Inc.
Sponsor EIN
59-1404594
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 59-1404594 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Central Florida Health Care, Inc. 401(k) Plan
Type
401(k) plan
Participants
653

About this data

Source: Central Florida Health Care, Inc.'s Form 5500 filing for plan year 2025 and its Schedule A insurance reports, published by the U.S. Department of Labor. "Self-funded" means the filing reports benefits paid from employer assets or a trust, with no medical insurance contract or with a stop-loss contract. Pharmacy figures are StreamRX estimates based on national averages. StreamRX is not affiliated with Central Florida Health Care, Inc..

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