Hamilton, Miller & Birthisel LLP
Updated Filing received by DOL
Hamilton, Miller & Birthisel LLP, a professional & technical services employer in Miami, Florida, reported 254 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $1.6M in insurance premiums across 10 contracts and $187,666 in broker commissions and fees. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on July 29, 2026, before the deadline.
Who was paid on Hamilton, Miller & Birthisel LLP's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Hamilton, Miller & Birthisel LLP filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Brown & Brown · Homestead, FL | $156,701 | $3,345 | $160,046 | 13 |
| Single Point Enrollment Solutions · Miami, FL | $3,436 | $3,952 | $7,388 | 1 |
| Brito Benefits Solutions Inc · Miami, FL | $4,884 | $1,118 | $6,002 | 1 |
| Excelsior Benefits LLC · Excelsior, MN | $5,488 | $0 | $5,488 | 1 |
| Web Tpa · Irving, TX | $0 | $4,096 | $4,096 | 1 |
| Andrea Browning · ST Pteersburg, FL | $1,428 | $718 | $2,146 | 1 |
| Amwins Group Benefits LLC · North Kingstown, RI | $0 | $2,098 | $2,098 | 1 |
| Malciel Stephanie Bonilla · Miami, FL | $378 | $0 | $378 | 1 |
| Michael Alan Schooley · Miami, FL | $21 | $3 | $24 | 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 |
|---|---|---|---|---|
| Blue Cross Blue Shield of Floridahealth, prescription drug, PPO | 142 | $1.2M | $69,876 | 6.0% |
| Health Options, Inchealth, prescription drug | 53 | $478,156 | $28,689 | 6.0% |
| Metropolitan Life Insurance Companydental, vision | 286 | — | $2,393 | — |
| Transamerica Insurance Cohealth | 79 | — | $18,144 | — |
| Colonial Life & Accident Insurance Companyshort-term disability | 53 | — | $26,127 | — |
| Safeguard Health Plans, Inc., a Florida Corproationdental, HMO | 168 | — | $2,457 | — |
| United of Omaha Life Insurance Companylong-term disability | 228 | — | $23,150 | — |
| United of Omaha Life Insurance Companylife | 228 | — | $1,982 | — |
| United of Omaha Life Insurance Companyshort-term disability | 48 | — | $5,440 | — |
| United of Omaha Life Insurance Companycoverage not coded | 82 | — | $9,408 | — |
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 Hamilton, Miller & Birthisel LLP 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: $8,424 a year (national median $7,274).
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2023 | 2025 | Change | |
|---|---|---|---|
| Participants | 139 | 254 | +82.7% |
| Premiums filed | $1,137,677 | $1,642,753 | not comparable |
| Broker commissions + fees | $89,302 | $187,666 | +110.1% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2023 and 2025.
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 |
|---|---|---|---|---|
| Hamilton & Miller, P.A. Health & Welfare Plan#501 · insurance | December 31, 2025 | July 29, 2026 | before deadline | 254 |
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 Hamilton, Miller & Birthisel LLP pay in health insurance broker commissions in 2025?
Hamilton, Miller & Birthisel LLP's 2025 Form 5500 reports $187,666 in broker commissions and fees across 10 insurance contracts ($172,336 in commissions, $15,330 in fees), with Brown & Brown receiving the largest share.
Is Hamilton, Miller & Birthisel LLP's health plan self-funded or fully insured?
The 2025 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by Blue Cross Blue Shield of Florida, Health Options, Inc, Transamerica Insurance Co.
How does Hamilton, Miller & Birthisel LLP's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Hamilton, Miller & Birthisel LLP because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 200-499 participants that disclosed broker pay reported a median of $77,013.
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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.