Mobile, Alabama employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
60 employers in Mobile, Alabama filed health plans with 100 or more participants for plan year 2024, covering 35,164 participants. They reported $81M in insurance premiums and $4.3M in broker commissions and fees. Against 2023, premiums were up 13.5% and broker pay rose 1.9%.
Funding: 22 fully insured · 23 self-funded · 15 mixed. 38 of 60 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Mobile
Mobile employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Trubridge, Inc. | $18,604,866 | $420,630 | 2,283 | Lockton |
| Norton Lilly International, Inc. | $4,717,503 | $113,687 | 525 | Willis Towers Watson |
| Pilot Catastrophe Services, Inc | $4,581,405 | $21,716 | 373 | Valent Group LLC |
| American Tank & Vessel Inc. | $3,726,202 | $48,859 | 204 | Able Benefit Solutions Inc |
| Beard Equipment Company, Inc. | $3,613,140 | $224,721 | 426 | Willis Towers Watson |
| Ecosouth Services of Mobile, LLC | $3,422,126 | $131,507 | 341 | Marsh McLennan Agency |
| Cimco Refrigeration | $2,975,298 | $20,094 | 155 | IMA Financial |
| Smith Industrial Service, Inc. | $2,421,311 | $49,703 | 363 | Able Benefit Solutions |
| Tuscaloosa Plumbers & Steamfitters Local 372 Welfare Fund | $2,347,278 | — | 242 | — |
| Mobile Forest Products & Biomass, Inc. | $2,089,460 | $39,649 | 131 | Coastal Workplace Benefits LLC |
| Spilltech Environmental, Inc. | $2,051,738 | $17,527 | 134 | Able Benefit Solutions |
| Trinova, Inc. | $2,026,974 | — | 247 | — |
| Alabama Shipyard LLC | $1,977,008 | $59,294 | 196 | Richard Lemuel Otts JR |
| CT Stevedoring, Inc | $1,832,585 | $97,654 | 111 | Cadence Insurance Inc |
| Franklin Primary Health Center Inc Welfare Benefit Plan-Bcbs | $1,832,376 | — | 197 | — |
| Persons Services Corp | $1,816,191 | $24,414 | 210 | Sunstar Insurance Group |
| Hand Arendall, L.L.C. | $1,784,136 | $46,678 | 111 | Scott Waters |
| Goodwill Industries of the Gulf Coast, Inc. | $1,772,112 | $38,880 | 203 | Sunstar Insurance Group LLC d/b/a P |
| The Learning Tree, Inc | $1,533,170 | — | 147 | — |
| Master Boat Builders | $1,510,769 | — | 124 | — |
| H. O. Weaver and Sons, Inc. | $1,459,788 | $7,625 | 184 | Alliance Insurance Group LLC |
| Employee Liability Management, Inc. | $1,435,196 | $73,115 | 1,416 | Able Benefit Solutions |
| Bullard Management Corporation | $1,382,118 | $16,098 | 290 | Sunstar Insurance Group LLC |
| ST. Pauls Episcopal School | $1,375,856 | — | 124 | — |
| Hackbarth Delivery Service, Inc | $1,236,645 | $18,525 | 172 | Sunstar Insurance Group LLC |
Source: DOL Form 5500 Schedule A, plan year 2024; employers are grouped by the sponsor's mailing city as filed. Self-funded employers show only stop-loss and ancillary premium.
Who gets paid
Commissions and fees reported by Mobile employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| HUB International | $788,496 | 7 |
| Lockton | $419,239 | 1 |
| Willis Towers Watson | $349,245 | 9 |
| USI Insurance Services | $263,811 | 3 |
| Marsh McLennan Agency | $171,763 | 2 |
| Gallagher | $143,819 | 1 |
| Cobbs Allen | $138,266 | 3 |
| Sunstar Insurance Group LLC | $136,902 | 7 |
| EPIC Insurance Brokers | $130,473 | 1 |
| Agm Benefits, an Alera Group a | $129,946 | 1 |
Largest medical carriers
Medical premium written for these employers.
Mobile against Alabama and the U.S.
Medians over the same definitions on every BenefitsLedger page: commission rate on commission-paying, fully insured medical plans; broker pay per employer that disclosed any; medical premium per covered person.
| Mobile | Alabama | United States | |
|---|---|---|---|
| Employer plans | 60 | 638 | 58,547 |
| Median commission rate | n/a | 3.7% | 3.8% |
| Middle half of rates | n/a | 3.0% – 4.8% | 2.7% – 5.0% |
| Median broker pay per employer | $48,859 | $64,089 | $72,628 |
| Medical premium per covered person | $7,327 | $6,384 | $7,274 |
| Plans reporting no commission | 28 | 272 | 933 |
Year over year. In plan year 2023, 58 Mobile employers reported $72M in premiums and $4.2M in broker pay for 32,765 participants; in 2024 it was $81M and $4.3M for 35,164 participants (premiums +13.5%, broker pay +1.9%).
Source: DOL Form 5500 and Schedule A, plan years 2024 and 2023, employer health plans with 100 or more participants; built October 24, 2026. Medians need at least 10 rated plans to be shown for a city. Methodology.
How much do Mobile employers pay health insurance brokers?
60 Mobile employers reported $4,288,808 in broker commissions and fees on their 2024 Form 5500 filings, 49 of them disclosing at least some compensation. Too few fully insured medical plans in Mobile reported premium to compute a stable commission rate; the Alabama median is 3.7% and the U.S. median is 3.8%. In dollars, the median Mobile employer that disclosed broker pay reported $48,859.
Which Mobile employers have the largest health plans?
By insurance premium reported for 2024, Trubridge, Inc. ($19M), Norton Lilly International, Inc. ($4.7M), Pilot Catastrophe Services, Inc ($4.6M) lead. 25 Mobile employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Mobile?
By compensation reported by Mobile employers, the largest brokers are HUB International ($788,496, 7 plans), Lockton ($419,239, 1 plans), Willis Towers Watson ($349,245, 9 plans). By medical premium, the largest carriers are Blue Cross and Blue Shield of Alabama, Blue Cross and Blue Shield of Louisiana, The Hartford.
Are Mobile employer health plans self-funded or fully insured?
Of 60 Mobile employer plans, 22 are fully insured, 23 are self-funded and 15 mix insured and self-funded coverage. Self-funded plans report only stop-loss and ancillary contracts on Schedule A, so their premium and broker pay understate total spend.
Other cities in Alabama
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