Orlando, Florida employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
217 employers in Orlando, Florida filed health plans with 100 or more participants for plan year 2024, covering 283,580 participants. They reported $286M in insurance premiums and $34M in broker commissions and fees. The median broker rate on commission-paying, fully insured medical plans was 5.0% of premium, against 4.6% across Florida and 3.8% nationally. Against 2023, premiums were up 1.4% and broker pay rose 2.0%.
Funding: 70 fully insured · 79 self-funded · 68 mixed. 147 of 217 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Orlando
Orlando employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Independent Colleges and Universities Benefits Association, Inc | $123,279,558 | — | 8,632 | — |
| Darden Restaurants, Inc. | $52,370,074 | $4,580,113 | 27,882 | Aon |
| Hilton Resorts Corporation | $10,253,509 | $1,067,104 | 12,643 | Mercer |
| Westminster Services | $8,573,511 | $416,471 | 1,941 | Lockton |
| Grayrobinson PA | $7,024,315 | $198,973 | 527 | Brown & Brown |
| Assuredpartners, Inc. | $6,131,360 | $810,146 | 9,443 | AssuredPartners |
| Solaris Foundation Inc | $5,576,491 | $319,630 | 1,527 | The Baldwin Group |
| Ground Services International Incorporated | $5,077,933 | $220,347 | 2,059 | Gallagher |
| TLC Engineering Solutions, Inc. | $4,813,102 | $368,213 | 457 | Marsh McLennan Agency |
| Bridge Senior Living | $4,500,050 | $98,715 | 662 | — |
| Hannover Life Reassurance Company of America | $4,169,899 | $225,394 | 367 | Gallagher |
| Morgan & Morgan, P.A. | $3,810,890 | $1,104,651 | 3,408 | NFP |
| Careersource Central Florida | $3,191,844 | $22,167 | 200 | Centro Benefits Research, LLC |
| Peoplease, LLC | $3,113,831 | $1,074,876 | 23,282 | US Bentec Workplace Solutions |
| Lowndes Drosdick Doster Kantor and Reed, PA | $2,999,020 | $157,464 | 165 | Alliant Insurance Services |
| Northern Jet, Inc. | $2,381,913 | $90,470 | 201 | The Gremel Group Inc. |
| Purecycle Technologies, Inc. | $2,102,257 | $161,559 | 148 | Marsh McLennan Agency |
| Stax | $2,051,728 | $167,807 | 243 | EPIC Insurance Brokers |
| Florida Association of Realtors | $1,961,410 | $127,354 | 134 | OneDigital |
| Dean, Mead, Egerton, Bloodworth, Capouano, and Bozarth, P.A. | $1,787,514 | $102,280 | 116 | Hylant |
| Central Florida YMCA | $1,681,045 | $27,984 | 285 | The Baldwin Group |
| Advanced Refrigeration and Air Inc. | $1,666,811 | $103,553 | 112 | Brown & Brown |
| Hotelbeds USA, Inc. | $1,614,695 | $104,990 | 174 | Alliant Insurance Services |
| Fortress Information Security, LLC | $1,584,288 | $152,747 | 191 | Aon |
| Godwin's Gatorland, Inc. | $1,560,602 | $89,573 | 152 | OneDigital |
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 Orlando employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Aon | $4,620,127 | 8 |
| Marsh McLennan Agency | $3,678,185 | 33 |
| Mercer | $3,213,744 | 14 |
| Brown & Brown | $2,512,088 | 28 |
| OneDigital | $1,928,815 | 26 |
| Alliant Insurance Services | $1,311,503 | 15 |
| Gallagher | $1,309,135 | 12 |
| NFP | $764,737 | 5 |
| Insurance Office of America | $625,984 | 15 |
| Lockton | $605,569 | 6 |
Largest medical carriers
Medical premium written for these employers.
Orlando 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.
| Orlando | Florida | United States | |
|---|---|---|---|
| Employer plans | 217 | 3,039 | 58,547 |
| Median commission rate | 5.0% (33 plans) | 4.6% | 3.8% |
| Middle half of rates | 3.1% – 5.7% | 3.7% – 5.2% | 2.7% – 5.0% |
| Median broker pay per employer | $88,447 | $83,531 | $72,628 |
| Medical premium per covered person | $8,716 | $9,849 | $7,274 |
| Plans reporting no commission | 4 | 39 | 933 |
Year over year. In plan year 2023, 213 Orlando employers reported $282M in premiums and $33M in broker pay for 227,460 participants; in 2024 it was $286M and $34M for 283,580 participants (premiums +1.4%, broker pay +2.0%).
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 Orlando employers pay health insurance brokers?
217 Orlando employers reported $33,667,790 in broker commissions and fees on their 2024 Form 5500 filings, 209 of them disclosing at least some compensation. Among 33 commission-paying, fully insured medical plans, the median broker rate was 5.0% of premium, 0.4 points above the Florida median of 4.6% and 1.2 points above the U.S. median of 3.8%. In dollars, the median Orlando employer that disclosed broker pay reported $88,447.
Which Orlando employers have the largest health plans?
By insurance premium reported for 2024, Independent Colleges and Universities Benefits Association, Inc ($123M), Darden Restaurants, Inc. ($52M), Hilton Resorts Corporation ($10M) lead. 25 Orlando employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Orlando?
By compensation reported by Orlando employers, the largest brokers are Aon ($4.6M, 8 plans), Marsh McLennan Agency ($3.7M, 33 plans), Mercer ($3.2M, 14 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of Florida, Cigna Health and Life Insurance Company, University Health Alliance.
Are Orlando employer health plans self-funded or fully insured?
Of 217 Orlando employer plans, 70 are fully insured, 79 are self-funded and 68 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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