Naples, Florida employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
47 employers in Naples, Florida filed health plans with 100 or more participants for plan year 2024, covering 18,392 participants. They reported $112M in insurance premiums and $4.6M 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 468.2% and broker pay rose 27.8%.
Funding: 21 fully insured · 14 self-funded · 12 mixed. 26 of 47 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Naples
Naples employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Arthrex, Inc | $82,592,830 | $563,366 | 5,833 | Brown & Brown |
| BCB Homes Holdings, Inc. | $2,932,823 | $131,773 | 200 | Acrisure |
| David Lawrence Mental Health Inc | $2,378,501 | $137,174 | 426 | Brown & Brown |
| Deangelis Diamond Construction, LLC | $2,147,072 | $120,471 | 210 | The Baldwin Group |
| Tamiami Ford, Inc. | $2,070,152 | $172,128 | 261 | Prime Group Insurance Services, Inc |
| Azt Technology, LLC | $1,916,299 | $11,997 | 216 | Thompson Risk |
| Shore-Line Carpet Supplies of Gulf Coast Inc. | $1,869,784 | $74,791 | 138 | Paycheck Insurance Agency, Inc. |
| Neuroscience & Spine Associates | $1,645,435 | $99,903 | 202 | USI Insurance Services |
| Community School of Naples | $1,487,576 | $82,485 | 183 | The Baldwin Group |
| ST. Matthews House, Inc. | $1,463,584 | $111,465 | 268 | The Baldwin Group |
| Twineagles Club Inc | $1,391,066 | $10,450 | 159 | No Agent Listed |
| Quality Enterprises USA, Inc. | $1,342,719 | $96,028 | 197 | Brown & Brown |
| The Club at Mediterra, Inc. | $1,193,212 | $71,859 | 112 | The Baldwin Group |
| Dick Devoe Buick Cadillac, Inc. | $1,175,199 | $69,801 | 153 | Brown & Brown |
| Royal Poinciana Golf Club, Inc. | $1,097,873 | $2,499 | 152 | Watchtower Benefits, LLC |
| Mason Classical Academy, Inc | $1,056,947 | $56,163 | 131 | M.E. Wilson Company, LLC |
| NHG Associates LLC | $994,463 | $61,586 | 124 | The James Group, LLC |
| Quail West Foundation, Inc. | $956,183 | $60,700 | 156 | Brown & Brown |
| NCH Healthcare System, Inc. | $712,462 | $87,829 | 2,847 | Willis Towers Watson |
| Arqai, LLC | $668,443 | $55,904 | 165 | The Baldwin Group |
| Elias Brothers Group Painting & Contracting, Inc. | $594,969 | $24,892 | 184 | OneDigital |
| Consolidated Cleaners, Inc. | $314,877 | $50,536 | 235 | Green Line Benefits LLC |
| Conditioned Air Company of Naples, LLC | $165,377 | $53,528 | 335 | The Baldwin Group |
| Structure Medical, LLC | $44,210 | $20,656 | 272 | Marsh McLennan Agency |
| Dual North America, Inc. | $0 | $946,327 | 601 | Teague Insurance Agency, Inc. |
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 Naples employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Brown & Brown | $897,816 | 10 |
| Teague Financial Insurance Services | $828,894 | 1 |
| The Baldwin Group | $563,156 | 10 |
| Marsh McLennan Agency | $281,992 | 4 |
| Lockton | $256,046 | 2 |
| Acrisure | $165,334 | 2 |
| Prime Group Insurance | $149,964 | 1 |
| OneDigital | $149,604 | 5 |
| Word & Brown Insurance | $117,408 | 1 |
| Stealth Benefit Solutions LLC | $110,501 | 2 |
Largest medical carriers
Medical premium written for these employers.
Naples 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.
| Naples | Florida | United States | |
|---|---|---|---|
| Employer plans | 47 | 3,039 | 58,547 |
| Median commission rate | 4.0% (16 plans) | 4.6% | 3.8% |
| Middle half of rates | 3.7% – 4.1% | 3.7% – 5.2% | 2.7% – 5.0% |
| Median broker pay per employer | $61,898 | $83,531 | $72,628 |
| Medical premium per covered person | $10,189 | $9,849 | $7,274 |
| Plans reporting no commission | 3 | 39 | 933 |
Year over year. In plan year 2023, 45 Naples employers reported $20M in premiums and $3.6M in broker pay for 16,738 participants; in 2024 it was $112M and $4.6M for 18,392 participants (premiums +468.2%, broker pay +27.8%).
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 Naples employers pay health insurance brokers?
47 Naples employers reported $4,637,401 in broker commissions and fees on their 2024 Form 5500 filings, 46 of them disclosing at least some compensation. Among 16 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 Naples employer that disclosed broker pay reported $61,898.
Which Naples employers have the largest health plans?
By insurance premium reported for 2024, Arthrex, Inc ($83M), BCB Homes Holdings, Inc. ($2.9M), David Lawrence Mental Health Inc ($2.4M) lead. 25 Naples employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Naples?
By compensation reported by Naples employers, the largest brokers are Brown & Brown ($897,816, 10 plans), Teague Financial Insurance Services ($828,894, 1 plans), The Baldwin Group ($563,156, 10 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of Florida, Health Options, Blue Cross and Blue Shield of Alabama.
Are Naples employer health plans self-funded or fully insured?
Of 47 Naples employer plans, 21 are fully insured, 14 are self-funded and 12 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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