Oldsmar, Florida employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
15 employers in Oldsmar, Florida filed health plans with 100 or more participants for plan year 2024, covering 11,664 participants. They reported $4.0M in insurance premiums and $1.7M in broker commissions and fees. Against 2023, premiums were up 4.3% and broker pay rose 37.5%.
Funding: 5 fully insured · 4 self-funded · 6 mixed. 10 of 15 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Oldsmar
Oldsmar employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Clear Sight Partners, LLC | $1,636,233 | $109,235 | 209 | WWW Insurance, LLC. |
| Transworld Network, LLC | $1,080,051 | $84,592 | 172 | Brown & Brown |
| Cypress Gulf Development Corporation | $960,557 | $41,684 | 172 | Prime Group Insurance Services |
| Pinnacle Home Care | $317,652 | $291,447 | 797 | Wallace Welch and Willingham, Inc. |
| TNC (US) Holdings, Inc. | $0 | $328,775 | 6,283 | Willis Towers Watson |
| Marinemax Services, Inc. | $0 | $238,359 | 2,207 | OneDigital |
| Atsg, Inc. | $0 | $139,066 | 366 | USI Insurance Services |
| Microlumen, Inc. | $0 | $48,543 | 292 | M.E. Wilson Company, LLC |
| Novelle Health, LLC | $0 | $191,202 | 269 | Creativa Associates Fin & Ins SVCS |
| Mi Metals, Inc. | $0 | $67,853 | 257 | USI Insurance Services |
| Generx Generators LLC | $0 | $54,251 | 142 | Senn Dunn Insurance |
| Leixir Holdings, Inc. | $0 | — | 134 | — |
| Structall Building Sysytems, Inc. | $0 | $30,111 | 126 | Higginbotham |
| Gardner-Watson Decking, Inc. | $0 | $26,069 | 121 | Wallace Welch and Willingham, Inc |
| S & S Electric Co. Inc. | $0 | $44,908 | 117 | Marsh McLennan Agency |
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 Oldsmar employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Willis Towers Watson | $300,750 | 2 |
| Wallace Welch & Willingham, Inc. | $295,311 | 3 |
| USI Insurance Services | $196,718 | 2 |
| OneDigital | $150,095 | 1 |
| Creativa Associates Fin & Ins SVCS | $148,963 | 1 |
| WWW Insurance, LLC | $97,817 | 2 |
| Marsh McLennan Agency | $92,986 | 3 |
| Brown & Brown | $84,592 | 1 |
| M.E. Wilson Company, LLC | $48,543 | 1 |
| Centro Benefits Research LLC | $46,874 | 1 |
Largest medical carriers
Medical premium written for these employers.
Oldsmar 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.
| Oldsmar | 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 | $76,223 | $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, 13 Oldsmar employers reported $3.8M in premiums and $1.2M in broker pay for 2,975 participants; in 2024 it was $4.0M and $1.7M for 11,664 participants (premiums +4.3%, broker pay +37.5%).
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 Oldsmar employers pay health insurance brokers?
15 Oldsmar employers reported $1,696,095 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 Oldsmar 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 Oldsmar employer that disclosed broker pay reported $76,223.
Which Oldsmar employers have the largest health plans?
By insurance premium reported for 2024, Clear Sight Partners, LLC ($1.6M), Transworld Network, LLC ($1.1M), Cypress Gulf Development Corporation ($960,557) lead. 15 Oldsmar employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Oldsmar?
By compensation reported by Oldsmar employers, the largest brokers are Willis Towers Watson ($300,750, 2 plans), Wallace Welch & Willingham, Inc. ($295,311, 3 plans), USI Insurance Services ($196,718, 2 plans). By medical premium, the largest carriers are Health Options, Blue Cross Blue Shield of Florida, Unitedhealthcare Insurance Company.
Are Oldsmar employer health plans self-funded or fully insured?
Of 15 Oldsmar employer plans, 5 are fully insured, 4 are self-funded and 6 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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