Swisher International Inc
Updated Filing received by DOL
Swisher International Inc, a manufacturing — food & textile employer in Jacksonville, Florida, reported 929 participants in its health and welfare plans for plan year 2024. Its Form 5500 shows $20M in insurance premiums across 31 contracts and $841,950 in broker commissions and fees, 1.4% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is a mix of insured and self-funded coverage. The Department of Labor received an amended filing on October 28, 2025; the original filing date is not in the public dataset.
Who was paid on Swisher International Inc's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Swisher International Inc filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Gallagher · Jacksonville, FL | $552,113 | $281,755 | $833,868 | 25 |
| James R. Nelligan & Associates · Albany, NY | $7,716 | $0 | $7,716 | 1 |
| Rebecca J Smith Inc · Jacksonville, FL | $242 | $0 | $242 | 2 |
| Living Legacy Benefits Group LLC · Jacksonville, FL | $62 | $0 | $62 | 2 |
| Kathleen Deanne Norton, LLC · Jacksonville, FL | $62 | $0 | $62 | 2 |
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
The 24 largest of 31 contracts 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, stop-loss, HMO, PPO | 726 | $13M | $203,982 | 1.6% |
| Health Options, Inc.health, prescription drug, HMO | 92 | $2.0M | $40,949 | 2.0% |
| Highmark Blue Cross Blue Shield West Virginiahealth, prescription drug, HMO | 174 | $2.0M | — | — |
| Health Options, Inc.health, prescription drug, HMO | 44 | $1.4M | $28,219 | 2.0% |
| Sierra Health and Life Insurance Company, Inc.health | 205 | $406,131 | — | — |
| Highmark Blue Cross Blue Shield West Virginiahealth, prescription drug, HMO | 21 | $262,578 | — | — |
| The Hartford Life and Accidentcoverage not coded | 570 | $122,100 | $78,904 | 64.6% |
| Humana Insurance Companyvision | 609 | $85,960 | $8,589 | 10.0% |
| Highmark Blue Cross Blue Shield West Virginiadental | 184 | $56,158 | — | — |
| The Guardian Life Insurance Conmpany of Americadental, vision | 88 | $55,842 | $8,156 | 14.6% |
| Blue Cross Blue Shield of Floridahealth, prescription drug, PPO | 4 | $52,122 | $1,042 | 2.0% |
| Blue Cross Blue Shield of Floridahealth, prescription drug, PPO | 1 | $49,575 | $992 | 2.0% |
| Highmark Blue Cross Blue Shield West Virginiadental | 26 | $8,341 | — | — |
| Humana Insurance Companyvision | 32 | $5,916 | $543 | — |
| The Lincoln National Life Insurance Companylife | 2,785 | — | $94,655 | — |
| The Lincoln National Life Insurance Companycoverage not coded | 780 | — | $31,619 | — |
| Humana Dental Insurance Companydental | 702 | — | $400 | — |
| Health Advocate Solutions, Inc.coverage not coded | 841 | — | — | — |
| Pre-Paid Legal Services Inc, dba Legal Shieldcoverage not coded | 7 | — | $183 | — |
| Healthequity, Inc.coverage not coded | 367 | — | — | — |
| The Lincoln National Life Insurance Companylife | 1,258 | — | $94,655 | — |
| Health Advocate Solutions, Inc.coverage not coded | 158 | — | — | — |
| Pre-Paid Legal Services Inc. dba Legal Shieldcoverage not coded | 7 | — | $183 | — |
| Lincoln National Life Insurance Companylong-term disability | 833 | — | $27,950 | — |
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 Swisher International Inc 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.
Premium per covered person on medical contracts: $15,269 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 | 2024 | Change | |
|---|---|---|---|
| Participants | 1,024 | 929 | −9.3% |
| Premiums filed | $17,764,647 | $19,680,369 | +10.8% |
| Broker commissions + fees | $675,340 | $841,950 | +24.7% |
| Commission rate | 1.6% | 1.4% | −0.1 pts |
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 |
|---|---|---|---|---|
| Swisher International, Inc. Non-Bargaining Benefit Plan#511 · amended · insurance, general assets | December 31, 2024 | October 28, 2025 | amended filing; original date not in data | 929 |
| Swisher International, Inc. Employee Benefit Plan Rwdsu (jax)#512 · insurance, general assets | December 31, 2024 | October 9, 2025 | within extension | 267 |
| Swisher International Inc Retiree Healthcare (medicare)#522 · insurance, general assets | December 31, 2024 | October 9, 2025 | within extension | 195 |
| Swisher International, Inc. Employee Benefit Plan Helme Tobacco (IAM & Bctgmiu Local 2t)#516 · insurance, general assets | December 31, 2024 | October 9, 2025 | within extension | 168 |
| Swisher International, Inc. Employee Benefit Plan Machinists (jacksonville)#514 · insurance, general assets | December 31, 2024 | October 9, 2025 | within extension | 124 |
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 Swisher International Inc pay in health insurance broker commissions in 2024?
Swisher International Inc's 2024 Form 5500 reports $841,950 in broker commissions and fees across 31 insurance contracts ($560,195 in commissions, $281,755 in fees), with Gallagher receiving the largest share.
Is Swisher International Inc'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 Florida Blue, Health Options, Inc., Highmark Blue Cross Blue Shield West Virginia.
How does Swisher International Inc's broker compensation compare with similar employers?
Swisher International Inc paid 1.4% of medical premium in commissions and fees. The median for employers with 500-999 participants is 2.7%, and the median in Florida is 4.6%. Percentages are computed only on fully insured medical contracts with filed premiums.
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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.