YMCA of Floridas First Coast
Updated Filing received by DOL
YMCA of Floridas First Coast, an arts & entertainment employer in Jacksonville, Florida, reported 199 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $1.2M in insurance premiums across 11 contracts and $131,262 in broker commissions and fees, 4.0% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on April 30, 2026, before the deadline.
Who was paid on YMCA of Floridas First Coast's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract YMCA of Floridas First Coast filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| MFB Financial, Inc. · ST. Augustine, FL | $114,140 | $7,421 | $121,561 | 10 |
| NFP · Charlotte, NC | $0 | $8,125 | $8,125 | 6 |
| MFB Financial, Inc. dba the Bailey · Saint Augustine, FL | $811 | $0 | $811 | 1 |
| Matt Casto · Grand Rapids, MI | $400 | $0 | $400 | 1 |
| Charles Zitsman · ST. Augustine, FL | $310 | $0 | $310 | 1 |
| Ateam Consultants LLC · Kennesaw, GA | $45 | $0 | $45 | 1 |
| Blue Cross Blue Shield of Florida · Jacksonville, FL | $0 | $10 | $10 | 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 |
|---|---|---|---|---|
| Blue Cross Blue Shield of FLhealth, prescription drug | 67 | $680,121 | $25,532 | 3.8% |
| Health Optionshealth, prescription drug, HMO | 50 | $498,674 | $21,656 | 4.3% |
| Florida Combined Lifedental | 129 | — | $24,689 | — |
| The Lincoln National Life Insurance Companylife | 207 | — | $13,874 | — |
| Bluecross Blueshield of Florida, Inc.vision | 110 | — | $1,119 | — |
| Usable Lifecoverage not coded | 54 | — | $3,951 | — |
| The Lincoln National Life Insurance Companyshort-term disability | 181 | — | $23,406 | — |
| Usable Lifecoverage not coded | 57 | — | $4,424 | — |
| Pre-Paid Legal Services, Inc. dba Legalshieldcoverage not coded | 58 | — | $1,566 | — |
| The Lincoln National Life Insurance Companylong-term disability | 70 | — | $10,069 | — |
| Usable Lifelife | 181 | — | $976 | — |
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 YMCA of Floridas First Coast 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: $10,075 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 | 197 | 199 | +1.0% |
| Premiums filed | $1,166,648 | $1,178,795 | +1.0% |
| Broker commissions + fees | $134,612 | $131,262 | −2.5% |
| Commission rate | 4.3% | 4.0% | −0.3 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 |
|---|---|---|---|---|
| YMCA of Floridas First Coast#501 · insurance | September 30, 2025 | April 30, 2026 | before deadline | 199 |
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 YMCA of Floridas First Coast pay in health insurance broker commissions in 2024?
YMCA of Floridas First Coast's 2024 Form 5500 reports $131,262 in broker commissions and fees across 11 insurance contracts ($115,706 in commissions, $15,556 in fees), with MFB Financial, Inc. receiving the largest share.
Is YMCA of Floridas First Coast's health plan self-funded or fully insured?
The 2024 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by Blue Cross Blue Shield of FL, Health Options.
How does YMCA of Floridas First Coast's broker compensation compare with similar employers?
YMCA of Floridas First Coast paid 4.0% of medical premium in commissions and fees. The median for employers with 100-199 participants is 4.2%, 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.