West Palm Beach, Florida employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
68 employers in West Palm Beach, Florida filed health plans with 100 or more participants for plan year 2024, covering 151,497 participants. They reported $57M in insurance premiums and $12M 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 27.9% and broker pay rose 6.6%.
Funding: 41 fully insured · 9 self-funded · 18 mixed. 27 of 68 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in West Palm Beach
West Palm Beach employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Oasis Outsourcing Holdings, Inc. | $18,937,459 | $2,460,561 | 99,675 | HUB International |
| Vitality Home Care, Inc. | $6,271,255 | $350,585 | 602 | Marsh McLennan Agency |
| Searcy Denney Scarola Barnhart and Shipley, PA | $2,791,199 | $186,437 | 132 | Brown & Brown |
| Cancer Center of South Florida | $1,972,627 | $131,889 | 180 | HUB International |
| Florida Coast Equipment, Inc. | $1,897,541 | $133,273 | 150 | Marsh McLennan Agency |
| The Club at Ibis Property Owner's Association Inc dba the Club at Ibi | $1,785,836 | $119,893 | 225 | Brown & Brown |
| Planned Parenthood of South, East and North FL | $1,568,517 | $103,822 | 161 | Lockton |
| Foundcare, Inc. | $1,525,906 | $116,716 | 176 | Marsh McLennan Agency |
| Kane Financial Services | $1,489,983 | $72,050 | 125 | The Gehring Group |
| Al Packer,inc. | $1,479,182 | $156,807 | 249 | SBP, LLC |
| Overseas Service Corp. | $1,473,145 | $80,458 | 236 | CBIZ |
| Seacrest Services, Inc. | $1,395,568 | $94,743 | 153 | Marsh McLennan Agency |
| Southern Gunite, Inc. | $1,326,216 | $89,098 | 137 | Marsh McLennan Agency |
| The Raymond F. Kravis Center for the Performing Arts, Inc. | $1,275,178 | — | 113 | — |
| One Parking Inc. | $1,131,135 | $92,615 | 117 | Alliant Insurance Services |
| The Lord's Place, Inc. | $931,093 | $56,574 | 125 | The Gehring Group |
| Groelle & Salmon, P.A. | $895,487 | $70,960 | 129 | Whipple and Company |
| Gulfstream Goodwill Industries, Inc | $866,505 | $551,954 | 142 | Marsh McLennan Agency |
| Senior Health Properties South Inc | $838,407 | $170,635 | 498 | The Gehring Group |
| FSR Trucking Inc. | $822,886 | $48,203 | 114 | Insurance Office of America |
| Cenvill Recreation Inc | $812,453 | $57,918 | 100 | Brown & Brown |
| Orlando Rehabilitation Group | $795,528 | $92,780 | 453 | The Gehring Group |
| Holland Pump Company | $743,009 | $47,332 | 114 | OneDigital |
| Target Surveying, LLC | $707,450 | $33,723 | 165 | Patriot Growth |
| Joseph L. Morse Geriatric Center | $684,129 | $414,753 | 805 | 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 West Palm Beach employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Marsh McLennan Agency | $1,875,165 | 15 |
| HUB International | $1,320,633 | 4 |
| Lockton | $934,081 | 2 |
| Willis Towers Watson | $834,960 | 2 |
| USI Insurance Services | $648,891 | 4 |
| Aon | $542,495 | 2 |
| Brown & Brown | $448,197 | 8 |
| CBIZ | $397,341 | 4 |
| The Gehring Group | $324,966 | 7 |
| Mercer | $305,764 | 3 |
Largest medical carriers
Medical premium written for these employers.
West Palm Beach 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.
| West Palm Beach | Florida | United States | |
|---|---|---|---|
| Employer plans | 68 | 3,039 | 58,547 |
| Median commission rate | 5.0% (22 plans) | 4.6% | 3.8% |
| Middle half of rates | 4.1% – 5.9% | 3.7% – 5.2% | 2.7% – 5.0% |
| Median broker pay per employer | $104,005 | $83,531 | $72,628 |
| Medical premium per covered person | $10,521 | $9,849 | $7,274 |
| Plans reporting no commission | 1 | 39 | 933 |
Year over year. In plan year 2023, 62 West Palm Beach employers reported $44M in premiums and $11M in broker pay for 127,070 participants; in 2024 it was $57M and $12M for 151,497 participants (premiums +27.9%, broker pay +6.6%).
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 West Palm Beach employers pay health insurance brokers?
68 West Palm Beach employers reported $12,060,985 in broker commissions and fees on their 2024 Form 5500 filings, 66 of them disclosing at least some compensation. Among 22 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 West Palm Beach employer that disclosed broker pay reported $104,005.
Which West Palm Beach employers have the largest health plans?
By insurance premium reported for 2024, Oasis Outsourcing Holdings, Inc. ($19M), Vitality Home Care, Inc. ($6.3M), Searcy Denney Scarola Barnhart and Shipley, PA ($2.8M) lead. 25 West Palm Beach employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in West Palm Beach?
By compensation reported by West Palm Beach employers, the largest brokers are Marsh McLennan Agency ($1.9M, 15 plans), HUB International ($1.3M, 4 plans), Lockton ($934,081, 2 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of Florida, Health Options, Florida Blue.
Are West Palm Beach employer health plans self-funded or fully insured?
Of 68 West Palm Beach employer plans, 41 are fully insured, 9 are self-funded and 18 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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