The public record · 60,954 employer health plans · Plan years 2023–2025 · Updated October 24, 2026
What employer health plans cost, and who gets paid.
Every U.S. employer health plan with 100 or more people files a Form 5500 with the Department of Labor. BenefitsLedger turns those filings into plain pages: the premiums, the broker commissions, the carriers, and how each compares. Free, no login, nothing to buy.
Try Walmart, Mayo Clinic, or any employer, broker or EIN.
58,547
employer health plans, 2024
80,258,348
plan participants, 2024
$37B
insurance premiums reported, 2024
$6.9B
broker commissions and fees, 2024
Plan year 2025 so far: 34,505 employer health plans had filed by September 24, 2026, reporting $4.2B in broker commissions and fees, up 3.4% on the 31,520 employers that have filed both years. Employer pages show the newest filing; benchmarks use the complete 2024 year. The 2025 filings so far →
Brokers
The highest-paid benefits brokers
Commissions and fees employers reported paying each broker on Schedule A, added up across every plan that named them.
$431M
$393M
$390M
$285M
$273M
$188M
Benchmarks
What a typical plan pays its broker
Median broker compensation as a share of medical premium on fully insured plans that pay commissions, 2024.
3.8%
median rate
2.7%–5.0%
middle half
$72,628
median $ per employer
Employers
Plans that paid brokers the most
| Employer | Broker pay | Participants |
|---|---|---|
| Acec Life/Health Insurance Trust Benefit Consortium · The Woodlands, TX | $21,226,104 | 35,940 |
| ADP Totalsource, Inc. · Miami, FL | $9,430,744 | 552,196 |
| General Dynamics Corporation · Reston, VA | $8,947,442 | 45,056 |
| Facing History and Ourselves National Foundation, Inc. · Boston, MA | $6,681,552 | 183 |
| Darden Restaurants, Inc. · Orlando, FL | $6,175,364 | 28,693 |
| The Boeing Co. and Consolidated Subsidiaries · Seattle, WA | $5,880,543 | 135,462 |
| Board of Trustees of the MLB Lwip · New York, NY | $5,874,400 | 9,027 |
| Paychex Business Solutions LLC · ST Petersburg, FL | $5,763,112 | 197,994 |
By state
Where the plans are
California6,836Texas4,926New York3,508Florida3,039Illinois2,831Pennsylvania2,599Ohio2,404Michigan2,113Massachusetts1,864Georgia1,709Virginia1,613North Carolina1,587
All states and industries →Guides and tools
If you file the Form 5500
- Late-filing penalty checkWhat a missed or late filing can cost, and the DFVCP fix.
- Form 5500 due date for calendar plans
- Form 5558 — 2.5-month Form 5500 extension
- When a Form 5500 large-plan audit becomes mandatory
- Form 5500 audit requirement: IQPA opinion and 80–120 rule
- Schedule C — service-provider compensation disclosure
- Who must file Form 5500 for a health plan, and the 5500-SF
About the data. Built October 24, 2026 from the U.S. Department of Labor's Form 5500 datasets for plan years 2023 through 2025; 2024 is the complete year behind every benchmark and ranking, and 2025 filings are added monthly as the DOL receives them. Filings arrive 7 to 10 months after the plan year ends. The numbers people quote. Names are shown as filed. BenefitsLedger is published with the support of WellthCare, a benefits advisory firm, and is not affiliated with the Department of Labor. How every number is computed.
Is this your company's plan? Get a written review of the filing.
A WellthCare benefits specialist reads your Form 5500 the way a fiduciary reviewer would and writes up what to take to your broker before renewal. Free, from the public record only.