Palm Beach Gardens, Florida employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
20 employers in Palm Beach Gardens, Florida filed health plans with 100 or more participants for plan year 2024, covering 28,028 participants. They reported $4.5M in insurance premiums and $2.0M in broker commissions and fees. Against 2023, premiums were down 56.0% and broker pay rose 7.0%.
Funding: 5 fully insured · 5 self-funded · 10 mixed. 15 of 20 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Palm Beach Gardens
Palm Beach Gardens employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Frenchman's Creek, Inc. | $2,452,423 | $178,810 | 271 | Hays Companies |
| Red Rhino of FL, Inc. | $984,535 | $65,660 | 243 | Gallagher |
| Frenchman's Reserve Country Club, Inc. | $623,565 | $58,461 | 117 | Marsh McLennan Agency |
| Carrier Global Corporation | $246,012 | $150,786 | 12,420 | Willis Towers Watson |
| The Professional Golfers Association of America | $208,474 | $175,464 | 611 | USI Insurance Services |
| TBC Corporation | $0 | — | 2,556 | — |
| United Veterinary Care | $0 | $125,319 | 2,393 | HUB International |
| Chromalloy Corporation | $0 | $215,740 | 2,104 | EPIC Insurance Brokers |
| National Dentex, LLC | $0 | $143,953 | 1,722 | Lockton |
| Aqua Dermatology Management, LLC | $0 | $112,347 | 1,473 | Gallagher |
| Zimvie US Corp LLC | $0 | $46,497 | 1,347 | Willis Towers Watson |
| Management McOa, LLC | $0 | $122,870 | 1,182 | Higginbotham |
| Dane Street, LLC | $0 | $82,497 | 284 | Marsh McLennan Agency |
| Invisors, LLC | $0 | $9,572 | 267 | Cobbs Allen |
| Labor Finders International, Inc. | $0 | $96,436 | 261 | Alliant Insurance Services |
| Agilis Group, Inc. | $0 | $65,459 | 214 | Marsh McLennan Agency |
| Kitson & Partners Management Services, Inc. | $0 | $142,693 | 200 | Marsh McLennan Agency |
| Project Brilliance, LLC | $0 | $29,677 | 132 | Marsh McLennan Agency |
| Gordon & Partners, P.A. | $0 | $78,377 | 128 | Gallagher |
| American Orthopedic Partners | $0 | $98,224 | 103 | Alliant Insurance Services |
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 Palm Beach Gardens employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Marsh McLennan Agency | $358,189 | 5 |
| Gallagher | $256,679 | 4 |
| EPIC Insurance Brokers | $215,740 | 1 |
| Willis Towers Watson | $197,283 | 2 |
| Alliant Insurance Services | $194,632 | 2 |
| USI Insurance Services | $175,464 | 1 |
| Lockton | $143,953 | 1 |
| Hays Companies | $140,187 | 1 |
| HUB International | $125,319 | 1 |
| Higginbotham | $116,665 | 1 |
Largest medical carriers
Medical premium written for these employers.
Palm Beach Gardens 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.
| Palm Beach Gardens | Florida | United States | |
|---|---|---|---|
| Employer plans | 20 | 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 | $98,224 | $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, 21 Palm Beach Gardens employers reported $10M in premiums and $1.9M in broker pay for 33,709 participants; in 2024 it was $4.5M and $2.0M for 28,028 participants (premiums −56.0%, broker pay +7.0%).
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 Palm Beach Gardens employers pay health insurance brokers?
20 Palm Beach Gardens employers reported $1,998,842 in broker commissions and fees on their 2024 Form 5500 filings, 19 of them disclosing at least some compensation. Too few fully insured medical plans in Palm Beach Gardens 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 Palm Beach Gardens employer that disclosed broker pay reported $98,224.
Which Palm Beach Gardens employers have the largest health plans?
By insurance premium reported for 2024, Frenchman's Creek, Inc. ($2.5M), Red Rhino of FL, Inc. ($984,535), Frenchman's Reserve Country Club, Inc. ($623,565) lead. 20 Palm Beach Gardens employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Palm Beach Gardens?
By compensation reported by Palm Beach Gardens employers, the largest brokers are Marsh McLennan Agency ($358,189, 5 plans), Gallagher ($256,679, 4 plans), EPIC Insurance Brokers ($215,740, 1 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of Florida, Health Options, Truli.
Are Palm Beach Gardens employer health plans self-funded or fully insured?
Of 20 Palm Beach Gardens employer plans, 5 are fully insured, 5 are self-funded and 10 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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