Sanford, Florida employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
23 employers in Sanford, Florida filed health plans with 100 or more participants for plan year 2024, covering 8,394 participants. They reported $9.6M in insurance premiums and $1.8M in broker commissions and fees. Against 2023, premiums were up 86.8% and broker pay rose 3.0%.
Funding: 6 fully insured · 10 self-funded · 7 mixed. 17 of 23 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Sanford
Sanford employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Jon M. Hall Company, LLC | $1,739,230 | $101,827 | 363 | Brown & Brown |
| Southern Technical College | $1,570,885 | $113,623 | 215 | Gallagher |
| Atlantic Pipe Services | $1,492,507 | $174,211 | 162 | OneDigital |
| Wharton-Smith, Inc. | $1,226,231 | $199,575 | 753 | USI Insurance Services |
| Quantum Construction, LLC | $976,518 | $78,137 | 245 | USI Insurance Services |
| Kemco Industries, LLC | $975,667 | $53,486 | 114 | Insurance Office of America |
| Industrial Lighting Products, LLC | $959,886 | $44,120 | 174 | RCP an Alera Group, LLC |
| Ethnos360 | $515,642 | $50,312 | 613 | Foster & Foster |
| Wal-Rose, Inc. | $105,018 | $90,534 | 209 | HUB International |
| Strada Services Inc. | $0 | $136,519 | 2,192 | Marsh McLennan Agency |
| Wiginton Corporation | $0 | $48,887 | 495 | Wallace, Welch & Willingham |
| The Father's Table, LLC | $0 | $292,585 | 470 | Insurance Office of America Inc |
| Online Labels Group, LLC | $0 | $66,938 | 401 | — |
| Central Florida Family Health Center, Inc. | $0 | $64,862 | 349 | OneDigital |
| Amtis, Inc | $0 | $58,677 | 318 | The Meltzer Group, Inc |
| Hudson's Furniture Showroom, Inc. | $0 | $16,475 | 235 | MFB (the Bailey Group) |
| Brockman Site Development | $0 | $4,755 | 221 | Insurance Office of America |
| Derive Systems, LLC | $0 | $46,492 | 182 | USI Insurance Services |
| The Briar Team, LLC | $0 | $94,615 | 157 | Insurance Office of America |
| Wayne Densch, Inc. | $0 | $31,640 | 143 | Bevcap Management LLC |
| Onsight Industries, LLC | $0 | $19,999 | 140 | Hylant |
| Perfect Game, Inc. | $0 | — | 124 | — |
| Earnest Products, Inc. | $0 | $18,825 | 119 | The Enterprise Teamn, 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 Sanford employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Insurance Office of America | $305,203 | 4 |
| USI Insurance Services | $232,382 | 3 |
| OneDigital | $186,523 | 2 |
| Marsh McLennan Agency | $167,747 | 2 |
| Brown & Brown | $126,400 | 3 |
| Gallagher | $113,036 | 1 |
| HUB International | $85,117 | 1 |
| The Meltzer Group Inc | $58,677 | 1 |
| Ceridian HCM, Inc. | $52,192 | 1 |
| Foster & Foster | $50,312 | 1 |
Largest medical carriers
Medical premium written for these employers.
Sanford 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.
| Sanford | Florida | United States | |
|---|---|---|---|
| Employer plans | 23 | 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 | $61,770 | $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 Sanford employers reported $5.1M in premiums and $1.8M in broker pay for 6,986 participants; in 2024 it was $9.6M and $1.8M for 8,394 participants (premiums +86.8%, broker pay +3.0%).
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 Sanford employers pay health insurance brokers?
23 Sanford employers reported $1,807,094 in broker commissions and fees on their 2024 Form 5500 filings, 22 of them disclosing at least some compensation. Too few fully insured medical plans in Sanford 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 Sanford employer that disclosed broker pay reported $61,770.
Which Sanford employers have the largest health plans?
By insurance premium reported for 2024, Jon M. Hall Company, LLC ($1.7M), Southern Technical College ($1.6M), Atlantic Pipe Services ($1.5M) lead. 23 Sanford employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Sanford?
By compensation reported by Sanford employers, the largest brokers are Insurance Office of America ($305,203, 4 plans), USI Insurance Services ($232,382, 3 plans), OneDigital ($186,523, 2 plans). By medical premium, the largest carriers are Health Options, Blue Cross Blue Shield of Florida, Blue Cross Blue Shield.
Are Sanford employer health plans self-funded or fully insured?
Of 23 Sanford employer plans, 6 are fully insured, 10 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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