Gainesville, Florida employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
32 employers in Gainesville, Florida filed health plans with 100 or more participants for plan year 2024, covering 46,896 participants. They reported $33M in insurance premiums and $3.3M 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 up 5.2% and broker pay fell 1.4%.
Funding: 14 fully insured · 9 self-funded · 9 mixed. 18 of 32 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Gainesville
Gainesville employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| University Athletic Association, Inc. | $5,471,437 | $274,185 | 433 | USI Insurance Services |
| Campus USA Credit Union | $3,974,130 | $229,693 | 363 | Gallagher |
| Paradigm Management Team, LLC | $3,498,868 | $123,312 | 365 | Wingate Insurance Group, Inc. |
| Florida Farm Bureau Federation | $3,227,871 | $139,402 | 236 | EPIC Insurance Brokers |
| Oak Hammock at the University of Florida, Inc. | $2,779,162 | $177,658 | 264 | USI Insurance Services |
| James Moore & Co., P.L. | $2,220,935 | $175,237 | 259 | Gallagher |
| Interventional Cardiologists of Gainesville, PA | $2,145,538 | $134,966 | 182 | Marsh McLennan Agency |
| Charles Perry Partners, Inc. | $1,995,812 | $147,814 | 164 | Two Twelve Benefits |
| O2b Early Education Holding Inc | $1,725,462 | $123,643 | 338 | USI Insurance Services |
| The Arc of Alachua County Inc | $1,234,275 | $78,367 | 151 | AssuredPartners |
| Oak Hall School | $1,081,302 | $57,038 | 155 | AssuredPartners |
| Feathr, Inc. | $975,613 | $75,700 | 127 | Bennie Insurance, LLC |
| Comfort Temp, Inc. | $822,593 | $47,182 | 202 | FRP Corp dba Acentria BRC |
| Exactech, Inc. | $673,542 | $94,056 | 607 | USI Insurance Services |
| Contemporary Management Concepts, LLLP | $636,257 | $39,967 | 106 | HUB International |
| Tower Hill Insurance Group, LLC | $465,420 | $161,989 | 476 | The Bailey Group |
| Radiant Credit Union | $237,407 | $40,498 | 173 | MFB Financial dba the Bailey Group |
| University of Florida | $0 | $95,000 | 23,923 | White Rock USA LTD |
| Shands Teaching Hospital and Clinics, Inc. | $0 | — | 12,540 | — |
| Santafe Healthcare, Inc. | $0 | — | 1,225 | — |
| Lifesouth Community Blood Centers, Inc. | $0 | $118,266 | 837 | HUB International |
| Trajector Holdings, LLC | $0 | $125,539 | 741 | Acrisure |
| Orthopedic Care Partners Management, LLC | $0 | $285,302 | 510 | Mercer |
| Eye Doctors Optical Outlets | $0 | $23,614 | 503 | Holmes Murphy |
| Meridian Behavioral Healthcare, Inc. | $0 | $60,180 | 499 | AssuredPartners |
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 Gainesville employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| USI Insurance Services | $713,531 | 5 |
| Marsh McLennan Agency | $371,019 | 5 |
| Gallagher | $363,445 | 3 |
| Mercer | $283,808 | 1 |
| AssuredPartners | $162,580 | 3 |
| HUB International | $152,302 | 2 |
| EPIC Insurance Brokers | $139,402 | 1 |
| Wingate Insurance Group, Inc. | $123,312 | 1 |
| Acrisure | $107,235 | 2 |
| Two Twelve Benefits | $99,791 | 1 |
Largest medical carriers
Medical premium written for these employers.
Gainesville 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.
| Gainesville | Florida | United States | |
|---|---|---|---|
| Employer plans | 32 | 3,039 | 58,547 |
| Median commission rate | 4.0% (15 plans) | 4.6% | 3.8% |
| Middle half of rates | 3.3% – 4.9% | 3.7% – 5.2% | 2.7% – 5.0% |
| Median broker pay per employer | $101,324 | $83,531 | $72,628 |
| Medical premium per covered person | $12,626 | $9,849 | $7,274 |
| Plans reporting no commission | 0 | 39 | 933 |
Year over year. In plan year 2023, 34 Gainesville employers reported $32M in premiums and $3.3M in broker pay for 41,801 participants; in 2024 it was $33M and $3.3M for 46,896 participants (premiums +5.2%, broker pay −1.4%).
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 Gainesville employers pay health insurance brokers?
32 Gainesville employers reported $3,287,593 in broker commissions and fees on their 2024 Form 5500 filings, 30 of them disclosing at least some compensation. Among 15 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 Gainesville employer that disclosed broker pay reported $101,324.
Which Gainesville employers have the largest health plans?
By insurance premium reported for 2024, University Athletic Association, Inc. ($5.5M), Campus USA Credit Union ($4.0M), Paradigm Management Team, LLC ($3.5M) lead. 25 Gainesville employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Gainesville?
By compensation reported by Gainesville employers, the largest brokers are USI Insurance Services ($713,531, 5 plans), Marsh McLennan Agency ($371,019, 5 plans), Gallagher ($363,445, 3 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of Florida, Health Options, Curative Insurance Company.
Are Gainesville employer health plans self-funded or fully insured?
Of 32 Gainesville employer plans, 14 are fully insured, 9 are self-funded and 9 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
Is your company on this page? Get its Form 5500 read next to the Gainesville, Florida medians.
Tell us the company and a specialist writes up what the public Form 5500 record shows for it, if it files one: broker pay against the medians above, fee disclosure and filing timeliness, in a form you can forward to your CFO or counsel. Tick the box if you also want a 15-minute walkthrough call.
We don't sell your email. By submitting, you agree that BenefitsLedger and its benefits advisory partner, WellthCare, may email or call you about these findings. Opt out anytime by replying. See our privacy policy.