West Florida Medical Center Clinic, P.A.
Updated Filing received by DOL
West Florida Medical Center Clinic, P.A., a healthcare & social assistance employer in Pensacola, Florida, reported 444 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $506,455 in insurance premiums across 10 contracts and $121,157 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on May 11, 2026, before the deadline.
Who was paid on West Florida Medical Center Clinic, P.A.'s plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract West Florida Medical Center Clinic, P.A. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Combined Ins SVCS dba Torgersen Cau · Pensacola, FL | $55,718 | $0 | $55,718 | 4 |
| USI Insurance Services · Virginia Beaach, VA | $24,119 | $0 | $24,119 | 5 |
| Combined Ins SVCD dba Torgersen Cau · Pensacola, FL | $17,270 | $0 | $17,270 | 1 |
| Combined Insurance Services, Inc · Pensacola, FL | $6,701 | $0 | $6,701 | 2 |
| Jessica Marie Musacchia · Pensacola, FL | $4,729 | $545 | $5,274 | 2 |
| Michelle G Pollock · Pace, FL | $4,602 | $518 | $5,120 | 2 |
| Leigh Anne White · Cantonment, FL | $2,858 | $188 | $3,046 | 2 |
| Brian V. Andrews · Pace, FL | $1,855 | $180 | $2,035 | 1 |
| Barnes Ins & Fin SVCS an Alera GRP · Pensacola, FL | $559 | $0 | $559 | 2 |
| Anna Thompson · Santa Rosa Beach, FL | $356 | $0 | $356 | 1 |
| John C Pollock · Milton, FL | $314 | $0 | $314 | 2 |
| William Tyler Brunner · Pace, FL | $281 | $0 | $281 | 2 |
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 |
|---|---|---|---|---|
| Standard Insurance Companydental | 307 | $172,511 | $19,098 | 11.1% |
| Standard Insurance Companylife | 459 | $123,678 | $30,516 | 24.7% |
| Standard Insurance Companylong-term disability | 136 | $114,973 | $29,861 | 26.0% |
| Standard Insurance Companyshort-term disability | 126 | $54,682 | $13,239 | 24.2% |
| Standard Insurance Companyvision | 597 | $40,611 | $4,393 | 10.8% |
| Aflaccoverage not coded | 83 | — | $15,379 | — |
| Healthiest Youcoverage not coded | 315 | — | $6,265 | — |
| Aflaccoverage not coded | 8 | — | $1,970 | — |
| Healthiest Youcoverage not coded | 25 | — | $436 | — |
| Stoneridge Counselingcoverage not coded | 459 | — | — | — |
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 West Florida Medical Center Clinic, P.A. 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
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 536 | 444 | −17.2% |
| Premiums filed | $501,309 | $506,455 | +1.0% |
| Broker commissions + fees | $171,159 | $121,157 | −29.2% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2024 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 |
|---|---|---|---|---|
| West Florida Medical Center Clinic, P.A. Employee Benefits Plan#502 · insurance, general assets | December 31, 2025 | May 11, 2026 | before deadline | 444 |
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 West Florida Medical Center Clinic, P.A. pay in health insurance broker commissions in 2025?
West Florida Medical Center Clinic, P.A.'s 2025 Form 5500 reports $121,157 in broker commissions and fees across 10 insurance contracts ($119,718 in commissions, $1,439 in fees), with Combined Ins SVCS dba Torgersen Cau receiving the largest share.
Is West Florida Medical Center Clinic, P.A.'s health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself).
How does West Florida Medical Center Clinic, P.A.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for West Florida Medical Center Clinic, P.A. 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.