Phoenix, Arizona employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
372 employers in Phoenix, Arizona filed health plans with 100 or more participants for plan year 2024, covering 491,659 participants. They reported $74M in insurance premiums and $42M in broker commissions and fees. The median broker rate on commission-paying, fully insured medical plans was 7.6% of premium, against 7.5% across Arizona and 3.8% nationally. Against 2023, premiums were up 1.0% and broker pay rose 15.6%.
Funding: 120 fully insured · 133 self-funded · 119 mixed. 252 of 372 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Phoenix
Phoenix employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| CRB Management Services, Inc. | $9,481,824 | $747,219 | 1,675 | Incor Services Inc. |
| Edgio, Inc. | $6,798,501 | $5,870 | 598 | Brown & Brown |
| Goodwill of Central and Northern Arizona | $6,483,903 | $309,435 | 2,488 | Benefit Commerce GRP, an Alera GRP |
| Republic Services, Inc. | $5,921,979 | $74,569 | 32,186 | Acrisure |
| Knight-Swift Transportation Holdings, Inc. | $4,615,093 | $544,371 | 14,196 | Aon |
| Petsmart LLC | $3,893,717 | $2,153,866 | 42,804 | Hewitt Ins Brokerage LLC. |
| Hillstone Restaurant Group, Inc. | $2,784,002 | $41,674 | 888 | Marsh McLennan Agency |
| Circle the City | $2,596,308 | $136,426 | 196 | Marsh McLennan Agency |
| Bluum USA, Inc | $2,343,649 | $56,973 | 443 | Patriot Growth |
| Tmii Enterprises LLC | $2,113,837 | $204,881 | 379 | Marsh McLennan Agency |
| Board of Trustees IBEW Local No 640 & Arizona Chapter Neca H&W | $1,697,111 | $26,560 | 2,145 | The Segal Company |
| Carollo Engineers, Inc. | $1,379,019 | $42,494 | 1,312 | HUB International |
| Great Hearts Academies | $1,359,930 | $270,002 | 1,989 | Marsh McLennan Agency |
| Great Hearts America | $1,359,930 | $270,002 | 1,989 | Marsh McLennan Agency |
| Desert Botanical Garden, Inc. | $1,356,189 | $83,389 | 130 | Davison Benefits Group, LLC |
| California Closets Holding | $1,278,308 | $652,184 | 1,829 | Abd Ins. and Financial SVCS., Inc. |
| Knight Transportation Inc | $1,221,241 | $251,110 | 3,928 | AssuredPartners |
| Haci Mechanical Contractors, Inc. | $1,159,308 | $158,286 | 240 | Marsh McLennan Agency |
| Salt River Valley Water Users Association | $1,137,884 | $66,615 | 919 | Mercer |
| Ohlinger Industries, Inc. | $1,094,216 | $97,472 | 106 | Gallagher |
| Yellow Jacket Drilling Services LLC | $982,168 | — | 319 | — |
| Horizon Community Learning Center | $933,796 | $90,600 | 152 | Benefit Commerce GRP, an Alera GRP |
| Oneaz Credit Union | $880,715 | $134,761 | 559 | AssuredPartners |
| Chicanos Por la Causa, Inc. | $846,754 | $297,101 | 1,943 | HUB International |
| Karsten Manufacturing Corporation | $822,679 | $75,617 | 887 | Segal |
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 Phoenix employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Marsh McLennan Agency | $4,346,368 | 73 |
| Lockton | $3,932,603 | 31 |
| Aon | $2,063,050 | 13 |
| Mercer | $1,703,617 | 12 |
| Benefit Commerce GRP, an Alera GRP | $1,687,664 | 19 |
| Hewitt Ins Brokerage LLC | $1,489,614 | 1 |
| Alliant Insurance Services | $1,408,562 | 7 |
| USI Insurance Services | $1,138,801 | 17 |
| AssuredPartners | $1,073,028 | 18 |
| Lovitt and Touche, Inc. | $995,541 | 37 |
Largest medical carriers
Medical premium written for these employers.
Phoenix against Arizona 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.
| Phoenix | Arizona | United States | |
|---|---|---|---|
| Employer plans | 372 | 1,032 | 58,547 |
| Median commission rate | 7.6% (10 plans) | 7.5% | 3.8% |
| Middle half of rates | 5.8% – 8.8% | 5.1% – 8.0% | 2.7% – 5.0% |
| Median broker pay per employer | $72,475 | $70,061 | $72,628 |
| Medical premium per covered person | $5,382 | $5,476 | $7,274 |
| Plans reporting no commission | 3 | 5 | 933 |
Year over year. In plan year 2023, 361 Phoenix employers reported $73M in premiums and $36M in broker pay for 470,227 participants; in 2024 it was $74M and $42M for 491,659 participants (premiums +1.0%, broker pay +15.6%).
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 Phoenix employers pay health insurance brokers?
372 Phoenix employers reported $42,150,895 in broker commissions and fees on their 2024 Form 5500 filings, 354 of them disclosing at least some compensation. Among 10 commission-paying, fully insured medical plans, the median broker rate was 7.6% of premium, 0.1 points above the Arizona median of 7.5% and 3.8 points above the U.S. median of 3.8%. In dollars, the median Phoenix employer that disclosed broker pay reported $72,475.
Which Phoenix employers have the largest health plans?
By insurance premium reported for 2024, CRB Management Services, Inc. ($9.5M), Edgio, Inc. ($6.8M), Goodwill of Central and Northern Arizona ($6.5M) lead. 25 Phoenix employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Phoenix?
By compensation reported by Phoenix employers, the largest brokers are Marsh McLennan Agency ($4.3M, 73 plans), Lockton ($3.9M, 31 plans), Aon ($2.1M, 13 plans). By medical premium, the largest carriers are Cigna Health and Life Insurance Company, Blue Cross Blue Shield of Arizona, Blue Cross and Blue Shield of Alabama.
Are Phoenix employer health plans self-funded or fully insured?
Of 372 Phoenix employer plans, 120 are fully insured, 133 are self-funded and 119 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 Arizona
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