Pensacola, Florida employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
27 employers in Pensacola, Florida filed health plans with 100 or more participants for plan year 2024, covering 16,953 participants. They reported $44M in insurance premiums and $3.5M in broker commissions and fees. Against 2023, premiums were down 2.5% and broker pay rose 12.8%.
Funding: 11 fully insured · 9 self-funded · 7 mixed. 16 of 27 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Pensacola
Pensacola employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Landrum Professional Employer Services Inc | $19,091,629 | $656,013 | 4,820 | Aon |
| Global Connections to Employment, Inc. | $7,257,506 | $270,278 | 1,470 | USI Insurance Services |
| Gulf Winds Credit Union | $3,911,454 | $124,023 | 217 | Torgersen Causey |
| Sandy Sansing Chevrolet, Inc. | $2,950,338 | $104,579 | 341 | Torgersen Causey |
| Levin, Papantonio,proctor,rafferty, Buchanan, O'brien, Barr & Mougey | $2,934,406 | $136,305 | 262 | OneDigital |
| McGuire's Management Group, LLC | $2,923,406 | $137,961 | 339 | The Baldwin Group |
| Covenant Care | $1,844,838 | $91,883 | 176 | Barnes Insurance and Fin SVCS., Inc |
| Panhandle Grading & Paving, Inc. | $814,915 | $99,874 | 115 | Fringe Benefit Plans Inc |
| Pyramid, Inc. | $586,815 | $43,120 | 108 | Brown & Brown |
| West Florida Medical Center Clinic, P.A. | $501,309 | $171,159 | 536 | USI Insurance Services |
| Adsync Technologies, Inc. | $476,507 | $34,023 | 102 | Keystone Benefit Group |
| FMC Management Services Inc Life and Health Insurance Plan | $352,540 | $16,170 | 124 | Benefits Management Group Inc |
| Pensacola Christian College, Inc. | $170,817 | $88,629 | 864 | Alternative Insurance Resources Inc |
| Hill Kelly Dodge, Inc. | $76,733 | $15,878 | 104 | Brightline Dealer Advisors ,LLC |
| Baptist Health Care | $0 | $614,812 | 3,725 | Combined Insurance Services |
| Lakeview Center Inc | $0 | $144,153 | 867 | USI Insurance Services |
| Crown Health Care Laundry Services, LLC | $0 | $158,878 | 753 | HUB International |
| Engineered Cooling Services, Inc | $0 | $63,095 | 315 | OneDigital |
| Woodlands Medical Specialists, P.A. | $0 | $218,975 | 279 | Combined Ins. Services of N. FL. |
| Ims Consulting and Expert Services, LLC | $0 | — | 259 | — |
| Pen Air Credit Union Employee Health Benefit Plan | $0 | $10,246 | 259 | OneDigital |
| Aylstock, Witkin, Kreis & Overholtz, P.L.C. | $0 | — | 195 | — |
| Escambia Community Clinics Inc | $0 | $55,238 | 189 | OneDigital |
| The Lewis Bear Company | $0 | $7,861 | 178 | No Agent Listed |
| QSL Management LLC | $0 | $81,654 | 138 | 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 Pensacola employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Aon | $586,004 | 1 |
| USI Insurance Services | $518,177 | 3 |
| Combined Services LLC | $380,975 | 4 |
| Torgersen Causey | $234,181 | 3 |
| OneDigital | $229,663 | 4 |
| HUB International | $141,632 | 2 |
| The Baldwin Group | $135,967 | 1 |
| Sterling Seacrest Partners, Inc. | $97,878 | 1 |
| Barnes Insurance and Fin SVCS., Inc | $89,296 | 1 |
| Alternative Insurance Resources Inc | $88,629 | 1 |
Largest medical carriers
Medical premium written for these employers.
Pensacola 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.
| Pensacola | Florida | United States | |
|---|---|---|---|
| Employer plans | 27 | 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 | $99,874 | $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, 26 Pensacola employers reported $45M in premiums and $3.1M in broker pay for 18,370 participants; in 2024 it was $44M and $3.5M for 16,953 participants (premiums −2.5%, broker pay +12.8%).
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 Pensacola employers pay health insurance brokers?
27 Pensacola employers reported $3,520,878 in broker commissions and fees on their 2024 Form 5500 filings, 25 of them disclosing at least some compensation. Too few fully insured medical plans in Pensacola 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 Pensacola employer that disclosed broker pay reported $99,874.
Which Pensacola employers have the largest health plans?
By insurance premium reported for 2024, Landrum Professional Employer Services Inc ($19M), Global Connections to Employment, Inc. ($7.3M), Gulf Winds Credit Union ($3.9M) lead. 25 Pensacola employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Pensacola?
By compensation reported by Pensacola employers, the largest brokers are Aon ($586,004, 1 plans), USI Insurance Services ($518,177, 3 plans), Combined Services LLC ($380,975, 4 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of Florida, Blue Cross and Blue Shield of Alabama, Health Options.
Are Pensacola employer health plans self-funded or fully insured?
Of 27 Pensacola employer plans, 11 are fully insured, 9 are self-funded and 7 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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