Costa Farms, LLC
Updated Filing received by DOL
Costa Farms, LLC, an agriculture, forestry, fishing employer in Miami, Florida, reported 799 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $5.3M in insurance premiums across 7 contracts and $114,033 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on August 5, 2026, within the extension window.
Who was paid on Costa Farms, LLC's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Costa Farms, LLC filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Brown & Brown · Atlanta, GA | $23,475 | $0 | $23,475 | 2 |
| Epsix Inc · Scottsdale, AZ | $15,808 | $0 | $15,808 | 1 |
| Turner Wood & Smith Insurance · Gainesville, GA | $15,125 | $0 | $15,125 | 2 |
| Sandra Velaquez · Miami, FL | $10,224 | $0 | $10,224 | 1 |
| Aimee Cecelia Cabrera · Miami, FL | $5,688 | $0 | $5,688 | 1 |
| Velocity Benefits · Canton, GA | $4,875 | $0 | $4,875 | 1 |
| Marirosy Gonzalez · Miami, FL | $4,441 | $0 | $4,441 | 1 |
| Integrated Enrollment & Technology · Fort Lauderdale, FL | $4,221 | $0 | $4,221 | 2 |
| Christina Maria Ortiz · Miami, FL | $3,791 | $0 | $3,791 | 1 |
| James Robert Confort · Garden City, NY | $3,464 | $0 | $3,464 | 3 |
| Webtpa · Irving, TX | $0 | $3,332 | $3,332 | 1 |
| Amwins Group Benefits LLC · North Kingstown, RI | $0 | $3,247 | $3,247 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Florida Bluehealth, prescription drug | 482 | $5.3M | — | — |
| Delta Dental Insurance Companydental | 693 | — | — | — |
| Delta Dental Insurance Companydental | 113 | — | — | — |
| Eyemed on Behalf of the Fidelity Security Life Insurance Companyvision | 676 | — | — | — |
| Transamerica Life Insurance Companyhealth | 68 | — | $12,300 | — |
| The Prudential Insurance Company of Americalife, short-term disability, long-term disability | 793 | — | $19,828 | — |
| Continental American Insurance Companycoverage not coded | 309 | — | $81,905 | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Costa Farms, LLC compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Premium per covered person on medical contracts: $11,050 a year (national median $7,274).
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Costa Farms, LLC Welfare Plan#501 · insurance, general assets | December 31, 2025 | August 5, 2026 | within extension | 799 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Costa Farms, LLC pay in health insurance broker commissions in 2025?
Costa Farms, LLC's 2025 Form 5500 reports $114,033 in broker commissions and fees across 7 insurance contracts ($107,454 in commissions, $6,579 in fees), with Brown & Brown receiving the largest share.
Is Costa Farms, LLC's health plan self-funded or fully insured?
The 2025 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Florida Blue, Transamerica Life Insurance Company.
How does Costa Farms, LLC's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Costa Farms, LLC because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 500-999 participants that disclosed broker pay reported a median of $104,902.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.