Ocean Reef Club Inc C/O Human Resources
Updated Filing received by DOL
Ocean Reef Club Inc C/O Human Resources, an accommodation & food services employer in Key Largo, Florida, reported 703 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 8 insurance contracts with no premium reported and $170,901 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on March 27, 2026, before the deadline.
Who was paid on Ocean Reef Club Inc C/O Human Resources's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Ocean Reef Club Inc C/O Human Resources filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Marsh McLennan Agency · Miami, FL | $147,543 | $5,880 | $153,423 | 8 |
| USI Insurance Services · Virginia Beach, VA | $18 | $2,226 | $2,244 | 3 |
| Innovative Workplace Benefits · Key Largo, FL | $1,020 | $0 | $1,020 | 1 |
| Aci · Key Largo, FL | $893 | $0 | $893 | 1 |
| Img, Inc. · Indianapolis, IN | $0 | $156 | $156 | 1 |
| Brroks Timothy Clive · Coppell, TX | $5 | $0 | $5 | 1 |
| US Benefit Workplace Solutions · Iselin, NJ | $3 | $0 | $3 | 1 |
| Pape Alan · Maquoketa, IA | $0 | $0 | $0 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "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 |
|---|---|---|---|---|
| Prudential Insurance Company of Americalife, short-term disability, long-term disability | 696 | — | $22,197 | — |
| Teladochealth | 1,072 | — | $13,157 | — |
| American Heritage Life Insurance Companylong-term disability | 3 | — | $2,942 | — |
| Cigna Health and Life Insurance Company and Affiliatesdental | 768 | — | $123,244 | — |
| Petersen International Underwriterslong-term disability | 9 | — | — | — |
| Ace American Insurance Companyindemnity | 13 | — | $3,827 | — |
| Metropolitan General Insurance Companycoverage not coded | 23 | — | $638 | — |
| Principal Life Insurance Companyvision | 618 | — | $4,896 | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Ocean Reef Club Inc C/O Human Resources 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.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 675 | 703 | +4.1% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $79,586 | $170,901 | +114.7% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
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 |
|---|---|---|---|---|
| Ocean Reef Club Inc Flexible Benefits Plan#501 · insurance, general assets | August 31, 2025 | March 27, 2026 | before deadline | 703 |
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 Ocean Reef Club Inc C/O Human Resources pay in health insurance broker commissions in 2024?
Ocean Reef Club Inc C/O Human Resources's 2024 Form 5500 reports $170,901 in broker commissions and fees across 8 insurance contracts ($162,639 in commissions, $8,262 in fees), with Marsh McLennan Agency receiving the largest share.
Is Ocean Reef Club Inc C/O Human Resources's health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Teladoc.
How does Ocean Reef Club Inc C/O Human Resources's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Ocean Reef Club Inc C/O Human Resources 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.