Delray Beach, Florida employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
23 employers in Delray Beach, Florida filed health plans with 100 or more participants for plan year 2024, covering 8,325 participants. They reported $24M in insurance premiums and $3.6M in broker commissions and fees. Against 2023, premiums were up 47.2% and broker pay rose 15.7%.
Funding: 13 fully insured · 2 self-funded · 8 mixed. 10 of 23 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Delray Beach
Delray Beach employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Morse Operations, Inc. | $12,240,042 | $272,006 | 2,152 | Brown & Brown |
| Now Optics | $3,818,985 | $261,562 | 418 | Mercer |
| Guardian Recovery Network Holdings | $2,902,557 | $213,782 | 488 | Alliant Insurance Services |
| Olive Avenue Staffing LLC dba Kolter Hospitality | $1,713,600 | $126,125 | 684 | Brown & Brown |
| Pero Family Farms LLC | $1,597,936 | $86,431 | 150 | Insurance Office of America |
| South County Mental Health Center | $1,093,082 | $62,796 | 173 | — |
| Call 4 Health, Inc. | $650,676 | $50,108 | 271 | CBIZ |
| Gleneagles Country Club, Inc. | $55,350 | $73,167 | 179 | Alliant Insurance Services |
| The Kolter Group LLC | $0 | $555,764 | 596 | Whipple and Company, an Alera Group |
| Grieco Automotive Management, LLC | $0 | $281,931 | 485 | All Atlantic Benefits LLC |
| Native Wholesale Inc | $0 | $77,124 | 388 | CBIZ |
| Bold North America, LLC | $0 | $232,063 | 332 | The Baldwin Group |
| Ithink Financial Credit Union | $0 | $392,859 | 321 | Mercer |
| Children Have Fun, LLC | $0 | $107,043 | 288 | Insight Business & Ins. Solns, Inc. |
| Kaufman LYNN Construction, Inc. | $0 | $209,006 | 235 | Whipple & Company, Inc. |
| Petmed Express, Inc. | $0 | $107,112 | 199 | OneDigital |
| Insperex Holdings LLC | $0 | $148,739 | 169 | Risk Strategies |
| Carousel Development & Restoration, Inc. | $0 | $5,074 | 161 | Brown & Brown |
| Friendfinder Networks Inc. | $0 | $126,719 | 145 | Ris Employee Benefits, Inc. |
| Mizner Country Club | $0 | $95,910 | 138 | Whipple and Company, LLC |
| M & M Asphalt Maintenance, Inc. | $0 | $69,018 | 132 | USI Insurance Services |
| Addison Reserve Master Property Owners Association, Inc. | $0 | $67,103 | 119 | Alliant Insurance Services |
| Launch Media Solutions LLC. | $0 | $12,149 | 102 | Bennie Insurance, LLC |
Source: DOL Form 5500 Schedule A, plan year 2024; employers are grouped by the sponsor's mailing city as filed. Self-funded employers show only stop-loss and ancillary premium.
Who gets paid
Commissions and fees reported by Delray Beach employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Mercer | $654,341 | 2 |
| Whipple and Company an Alera Group | $513,245 | 1 |
| Alliant Insurance Services | $337,535 | 3 |
| Whipple and Company | $294,513 | 2 |
| Brown & Brown | $249,234 | 3 |
| All Atlantic Benefits LLC | $203,447 | 1 |
| The Baldwin Group | $201,608 | 1 |
| CBIZ | $110,599 | 2 |
| Insight Business & Ins. Solns, Inc. | $107,043 | 1 |
| Ris Employee Benefits, Inc. | $106,044 | 1 |
Largest medical carriers
Medical premium written for these employers.
Delray Beach against Florida and the U.S.
Medians over the same definitions on every BenefitsLedger page: commission rate on commission-paying, fully insured medical plans; broker pay per employer that disclosed any; medical premium per covered person.
| Delray Beach | Florida | United States | |
|---|---|---|---|
| Employer plans | 23 | 3,039 | 58,547 |
| Median commission rate | n/a | 4.6% | 3.8% |
| Middle half of rates | n/a | 3.7% – 5.2% | 2.7% – 5.0% |
| Median broker pay per employer | $107,112 | $83,531 | $72,628 |
| Medical premium per covered person | n/a | $9,849 | $7,274 |
| Plans reporting no commission | 0 | 39 | 933 |
Year over year. In plan year 2023, 22 Delray Beach employers reported $16M in premiums and $3.1M in broker pay for 7,840 participants; in 2024 it was $24M and $3.6M for 8,325 participants (premiums +47.2%, broker pay +15.7%).
Source: DOL Form 5500 and Schedule A, plan years 2024 and 2023, employer health plans with 100 or more participants; built October 24, 2026. Medians need at least 10 rated plans to be shown for a city. Methodology.
How much do Delray Beach employers pay health insurance brokers?
23 Delray Beach employers reported $3,633,591 in broker commissions and fees on their 2024 Form 5500 filings, 23 of them disclosing at least some compensation. Too few fully insured medical plans in Delray Beach reported premium to compute a stable commission rate; the Florida median is 4.6% and the U.S. median is 3.8%. In dollars, the median Delray Beach employer that disclosed broker pay reported $107,112.
Which Delray Beach employers have the largest health plans?
By insurance premium reported for 2024, Morse Operations, Inc. ($12M), Now Optics ($3.8M), Guardian Recovery Network Holdings ($2.9M) lead. 23 Delray Beach employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Delray Beach?
By compensation reported by Delray Beach employers, the largest brokers are Mercer ($654,341, 2 plans), Whipple and Company an Alera Group ($513,245, 1 plans), Alliant Insurance Services ($337,535, 3 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of Florida, Unitedhealthcare Insurance Company, Health Options.
Are Delray Beach employer health plans self-funded or fully insured?
Of 23 Delray Beach employer plans, 13 are fully insured, 2 are self-funded and 8 mix insured and self-funded coverage. Self-funded plans report only stop-loss and ancillary contracts on Schedule A, so their premium and broker pay understate total spend.
Other cities in Florida
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