Short answer: Florida sets participation by group size: 100% of eligible employees must enroll for groups of 1 to 3, and 70% for groups of 4 to 50 (after valid waivers).
Florida statute (Fla. Stat. 627.6699) ties minimum participation to the size of the small employer: groups of 1 to 3 eligible employees generally need 100% participation, while groups of 4 to 50 need 70%, after removing employees with other valid coverage. Carriers must apply these thresholds uniformly across same-size groups. As everywhere, participation and contribution minimums are waived during the federal year-end window (Nov 15 to Dec 15) for a January 1 effective date.