Largo, Florida employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
15 employers in Largo, Florida filed health plans with 100 or more participants for plan year 2024, covering 5,978 participants. They reported $3.5M in insurance premiums and $1.3M in broker commissions and fees. Against 2023, premiums were unchanged and broker pay rose 43.4%.
Funding: 7 fully insured · 4 self-funded · 4 mixed. 8 of 15 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Largo
Largo employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Allclear Underground Solutions, LLC | $1,306,937 | $78,416 | 166 | USI Insurance Services |
| Allclear Underground Solutions, LLC | $1,306,937 | $78,416 | 166 | USI Insurance Services |
| Pharmalink, Inc. | $930,280 | $73,436 | 125 | Brown & Brown |
| Conmed Corporation | $0 | — | 1,607 | — |
| Formulated Solutions, LLC | $0 | $38,131 | 862 | Me Wilson Company LLC |
| Hit Promotional Products, Inc. | $0 | $294,902 | 733 | RSC Insurance Brokerage Inc |
| KR Management, LLC | $0 | $78,205 | 723 | Marsh McLennan Agency |
| Art Headquarters, LLC | $0 | $8,672 | 251 | The Baldwin Group |
| Teamviewer US, Inc. | $0 | $259,724 | 239 | HUB International |
| National Molding, LLC | $0 | $12,674 | 227 | Marsh McLennan Agency |
| Intrepid Powerboats, Inc. | $0 | $84,947 | 216 | OneDigital |
| Ion Labs, Inc. | $0 | $87,012 | 198 | Marsh McLennan Agency |
| Belcher Pharmaceuticals, LLC. | $0 | $98,805 | 169 | Insurance Office of America, Inc. |
| Aba Solutions, Inc. | $0 | $24,310 | 167 | HUB International |
| Bioderm, Inc. | $0 | $86,380 | 129 | The Baldwin Group |
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 Largo employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| HUB International | $284,034 | 2 |
| RSC Insurance Brokerage, Inc. | $226,081 | 1 |
| Marsh McLennan Agency | $182,029 | 4 |
| USI Insurance Services | $156,832 | 2 |
| The Baldwin Group | $86,963 | 2 |
| Insurance Office of America | $86,400 | 1 |
| Brown & Brown | $71,963 | 1 |
| OneDigital | $70,670 | 1 |
| Emerson Rogers, LLC | $52,192 | 1 |
| Me Wilson Company LLC | $38,131 | 1 |
Largest medical carriers
Medical premium written for these employers.
Largo 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.
| Largo | Florida | United States | |
|---|---|---|---|
| Employer plans | 15 | 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 | $78,416 | $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, 12 Largo employers reported $0 in premiums and $909,507 in broker pay for 4,896 participants; in 2024 it was $3.5M and $1.3M for 5,978 participants (broker pay +43.4%).
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 Largo employers pay health insurance brokers?
15 Largo employers reported $1,304,030 in broker commissions and fees on their 2024 Form 5500 filings, 14 of them disclosing at least some compensation. Too few fully insured medical plans in Largo 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 Largo employer that disclosed broker pay reported $78,416.
Which Largo employers have the largest health plans?
By insurance premium reported for 2024, Allclear Underground Solutions, LLC ($1.3M), Allclear Underground Solutions, LLC ($1.3M), Pharmalink, Inc. ($930,280) lead. 15 Largo employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Largo?
By compensation reported by Largo employers, the largest brokers are HUB International ($284,034, 2 plans), RSC Insurance Brokerage, Inc. ($226,081, 1 plans), Marsh McLennan Agency ($182,029, 4 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of Florida, Health Options, Unitedhealthcare Insurance Company.
Are Largo employer health plans self-funded or fully insured?
Of 15 Largo employer plans, 7 are fully insured, 4 are self-funded and 4 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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