Melbourne, Florida employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
28 employers in Melbourne, Florida filed health plans with 100 or more participants for plan year 2024, covering 57,208 participants. They reported $10M in insurance premiums and $5.0M in broker commissions and fees. Against 2023, premiums were down 47.7% and broker pay rose 46.6%.
Funding: 12 fully insured · 8 self-funded · 8 mixed. 16 of 28 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Melbourne
Melbourne employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Holiday Builders, Inc. | $2,634,338 | $106,579 | 241 | Gallagher |
| Medical Associates of Brevard, LLC | $1,641,018 | $101,079 | 163 | Marsh McLennan Agency |
| Florida Eye Associates, Inc. | $1,267,130 | $42,285 | 105 | The Enterprise Team |
| Precise Fit Limited One, LLC | $1,178,277 | $66,399 | 141 | Matrix Insurance Benefits Solutions |
| L3harris Technologies, Inc. | $1,140,018 | $2,390,894 | 46,149 | EPIC Insurance Brokers |
| Dda Corporation dba Coastal Hyundai | $1,020,108 | $85,712 | 164 | Hylant |
| East Coast Zoological Society of Florida, Inc. | $783,923 | $59,333 | 202 | Alliant Insurance Services |
| Range Generation Next, LLC | $505,293 | $45,350 | 1,192 | Stealth Partner Group, LLC |
| Eclipse Advantage, LLC | $0 | $184,152 | 2,049 | Conner Strong & Buckelew |
| Ares Holdings, LLC | $0 | $352,519 | 1,637 | Lockton |
| Space Coast Credit Union | $0 | $80,924 | 1,071 | Mercer |
| Ecas, LLC | $0 | $308,215 | 573 | The Hershey Agency Inc. |
| Italian Terrazzo and Tile Co. of Brevard, LLC | $0 | $65,596 | 490 | Marsh McLennan Agency |
| The Goldfield Corporation | $0 | $78,732 | 416 | AssuredPartners |
| Circles of Care, Inc. | $0 | $41,935 | 312 | Gallagher |
| BRPH Companies, Inc. | $0 | $9,414 | 288 | Level 3 Benefit Advisors |
| Satcom Direct, Inc. | $0 | $168,053 | 255 | OneDigital |
| Boniface Chrysler Dodge, Inc. | $0 | $119,326 | 225 | Corporate Synergies |
| United Service Source, Inc. | $0 | $110,248 | 217 | HUB International |
| Brevard Physician Associates, PLLC | $0 | $143,182 | 215 | Insurance Office of America |
| Boys Electrical Contractors, LLC | $0 | $16,165 | 156 | USI Insurance Services |
| Orion180 Insurance Services, LLC | $0 | $165,784 | 151 | Marsh McLennan Agency |
| Revolution Technologies, LLC | $0 | $43,134 | 141 | USI Insurance Services |
| Avidyne Corporation | $0 | $30,642 | 136 | Gallagher |
| Carroll Distributing Company | $0 | $18,879 | 131 | Bev Cap Management 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 Melbourne employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| EPIC Insurance Brokers | $1,615,728 | 1 |
| American Benefits Consulting LLC | $450,038 | 1 |
| Mercer | $318,335 | 2 |
| Lockton | $314,031 | 1 |
| Marsh McLennan Agency | $300,638 | 5 |
| The Hershey Agency Inc. | $286,936 | 1 |
| Gallagher | $179,569 | 5 |
| OneDigital | $166,480 | 1 |
| Conner Strong & Buckelew | $147,110 | 1 |
| Stynchula Herbert & Associates | $142,870 | 2 |
Largest medical carriers
Medical premium written for these employers.
Melbourne 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.
| Melbourne | Florida | United States | |
|---|---|---|---|
| Employer plans | 28 | 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 | $75,869 | $83,531 | $72,628 |
| Medical premium per covered person | n/a | $9,849 | $7,274 |
| Plans reporting no commission | 1 | 39 | 933 |
Year over year. In plan year 2023, 26 Melbourne employers reported $19M in premiums and $3.4M in broker pay for 50,898 participants; in 2024 it was $10M and $5.0M for 57,208 participants (premiums −47.7%, broker pay +46.6%).
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 Melbourne employers pay health insurance brokers?
28 Melbourne employers reported $5,041,185 in broker commissions and fees on their 2024 Form 5500 filings, 28 of them disclosing at least some compensation. Too few fully insured medical plans in Melbourne 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 Melbourne employer that disclosed broker pay reported $75,869.
Which Melbourne employers have the largest health plans?
By insurance premium reported for 2024, Holiday Builders, Inc. ($2.6M), Medical Associates of Brevard, LLC ($1.6M), Florida Eye Associates, Inc. ($1.3M) lead. 25 Melbourne employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Melbourne?
By compensation reported by Melbourne employers, the largest brokers are EPIC Insurance Brokers ($1.6M, 1 plans), American Benefits Consulting LLC ($450,038, 1 plans), Mercer ($318,335, 2 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of Florida, Health Options, MVP Health Care.
Are Melbourne employer health plans self-funded or fully insured?
Of 28 Melbourne employer plans, 12 are fully insured, 8 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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