Fort Myers, Florida employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
64 employers in Fort Myers, Florida filed health plans with 100 or more participants for plan year 2024, covering 74,945 participants. They reported $22M in insurance premiums and $5.4M in broker commissions and fees. The median broker rate on commission-paying, fully insured medical plans was 4.0% of premium, against 4.6% across Florida and 3.8% nationally. Against 2023, premiums were down 39.5% and broker pay fell 15.4%.
Funding: 31 fully insured · 22 self-funded · 11 mixed. 33 of 64 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Fort Myers
Fort Myers employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Finemark National Bank & Trust | $2,866,128 | $20,449 | 263 | Lockton |
| Eye Health of FT. Myers, Inc. | $2,292,310 | $133,289 | 459 | Brown & Brown |
| G.M.P.-Employers Retiree Trust | $1,953,515 | — | 21,097 | — |
| Allyn International Services, Inc. | $1,932,953 | $112,320 | 231 | Alliant Insurance Services |
| D.T. Water, LLC | $1,491,961 | $89,058 | 155 | OneDigital |
| Providia Home Care LLC | $1,448,190 | $92,878 | 246 | Bennie Insurance, LLC |
| Orthopedic Specialists of SW Florida | $1,442,940 | $111,698 | 199 | The Baldwin Group |
| Florida Heart Associates, P.L. | $1,330,574 | $87,598 | 117 | HUB International |
| Aim Engineering & Surveying, Inc. | $1,258,227 | $74,410 | 152 | USI Insurance Services |
| Matter Brothers Furniture | $1,248,062 | $60,161 | 141 | Marsh McLennan Agency |
| Foster & Foster Consulting Actuaries Inc | $988,304 | $68,747 | 108 | Atkinson & Assoc Insurance Inc |
| Bill Smith, Inc. | $791,720 | $38,087 | 103 | HUB International |
| Royal Shell Vacations Inc. | $701,323 | $39,671 | 106 | The Baldwin Group |
| Pavement Maintenance, LLC | $681,501 | $32,381 | 154 | Baldwin Krystyn Partners LLC |
| Blue Sea Dental, LLC | $599,594 | $37,703 | 122 | Gallagher |
| Paramount Transportation Logistics Services, LLC | $439,936 | $59,809 | 455 | USI Insurance Services |
| Henderson Franklin Starnes & Holt, PA | $162,676 | $63,609 | 133 | Brown & Brown |
| Lee Health System, Inc. d/b/a Lee Health | $0 | $85,454 | 14,704 | Mercer |
| Chicos Fas, Inc. | $0 | $190,588 | 10,949 | Willis Towers Watson |
| Florida Cancer Specialists & Research Institute, LLC | $0 | $46,000 | 4,420 | BKS Partners - Knoxville |
| Millennium Physician Group, LLC | $0 | $112,505 | 3,342 | The Cason Group, Inc. |
| Neogenomics Laboratories, Inc. | $0 | $528,914 | 1,967 | The Baldwin Group |
| Industrial Service Solutions | $0 | $250,410 | 1,533 | Lockton |
| American Oncology Network, Inc. | $0 | $231,317 | 1,390 | Lockton |
| B&I Contractors, Inc. | $0 | $48,104 | 1,196 | Watch Tower Benefits 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 Fort Myers employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| The Baldwin Group | $944,810 | 14 |
| OneDigital | $736,934 | 13 |
| Mercer | $547,397 | 3 |
| Lockton | $514,702 | 7 |
| Brown & Brown | $513,169 | 9 |
| HUB International | $462,709 | 6 |
| USI Insurance Services | $205,131 | 5 |
| Willis Towers Watson | $190,456 | 1 |
| Marsh McLennan Agency | $119,480 | 3 |
| Alliant Insurance Services | $112,320 | 1 |
Largest medical carriers
Medical premium written for these employers.
Fort Myers 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.
| Fort Myers | Florida | United States | |
|---|---|---|---|
| Employer plans | 64 | 3,039 | 58,547 |
| Median commission rate | 4.0% (12 plans) | 4.6% | 3.8% |
| Middle half of rates | 3.7% – 4.2% | 3.7% – 5.2% | 2.7% – 5.0% |
| Median broker pay per employer | $59,855 | $83,531 | $72,628 |
| Medical premium per covered person | $10,677 | $9,849 | $7,274 |
| Plans reporting no commission | 1 | 39 | 933 |
Year over year. In plan year 2023, 65 Fort Myers employers reported $36M in premiums and $6.3M in broker pay for 65,620 participants; in 2024 it was $22M and $5.4M for 74,945 participants (premiums −39.5%, broker pay −15.4%).
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 Fort Myers employers pay health insurance brokers?
64 Fort Myers employers reported $5,367,421 in broker commissions and fees on their 2024 Form 5500 filings, 62 of them disclosing at least some compensation. Among 12 commission-paying, fully insured medical plans, the median broker rate was 4.0% of premium, 0.6 points below the Florida median of 4.6% and 0.2 points above the U.S. median of 3.8%. In dollars, the median Fort Myers employer that disclosed broker pay reported $59,855.
Which Fort Myers employers have the largest health plans?
By insurance premium reported for 2024, Finemark National Bank & Trust ($2.9M), Eye Health of FT. Myers, Inc. ($2.3M), G.M.P.-Employers Retiree Trust ($2.0M) lead. 25 Fort Myers employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Fort Myers?
By compensation reported by Fort Myers employers, the largest brokers are The Baldwin Group ($944,810, 14 plans), OneDigital ($736,934, 13 plans), Mercer ($547,397, 3 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of Florida, Health Options, Continental American Insurance Company.
Are Fort Myers employer health plans self-funded or fully insured?
Of 64 Fort Myers employer plans, 31 are fully insured, 22 are self-funded and 11 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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