Centennial, Colorado employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
29 employers in Centennial, Colorado filed health plans with 100 or more participants for plan year 2024, covering 22,743 participants. They reported $3.0M in insurance premiums and $2.8M in broker commissions and fees. Against 2023, premiums were down 23.8% and broker pay fell 13.4%.
Funding: 2 fully insured · 13 self-funded · 14 mixed. 27 of 29 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Centennial
Centennial employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Johnson Storage & Moving Company Holding LLC | $1,080,963 | $102,086 | 371 | Decisely Insurance Services Inc |
| Blusky Restoration Contractors, LLC | $714,885 | $86,815 | 1,858 | Mercer |
| Summit Automotive, LLC | $424,038 | $18 | 1,136 | USI Insurance Services |
| Orica USA Inc. | $274,614 | $59,648 | 494 | Mercer |
| Haselden Construction LLC | $251,153 | $32,538 | 358 | IMA Financial |
| Direct Travel | $125,818 | $319,574 | 771 | HUB International |
| National Cattlemen's Beef Association | $111,982 | $12,819 | 133 | Brown & Brown |
| Nelson Pipeline Constructors, LLC | $49,221 | $70,596 | 123 | Marsh McLennan Agency |
| Arrow Electronics, Inc. | $0 | $470,844 | 5,052 | Willis Towers Watson |
| United Launch Alliance | $0 | $258,366 | 3,111 | Mercer |
| Fast Enterprises, LP | $0 | $110,740 | 1,577 | Moreton & Co |
| Summit Utilities, Inc. | $0 | $53,363 | 1,457 | Willis Towers Watson |
| Western Stone & Metal Corp. | $0 | $31,407 | 864 | Lockton |
| Stolle Machinery Company, LLC | $0 | $8,957 | 789 | IMA Financial |
| Weifield Group Contracting, Inc. | $0 | $181,155 | 683 | Cherry Creek Insurance Agency |
| Sema Construction, Inc. | $0 | $10,970 | 659 | Holmes Murphy |
| Seakr Engineering, Inc. | $0 | $20,246 | 525 | Lockton |
| Allosource | $0 | $13,168 | 477 | Hays Companies |
| Alc Management, LLC | $0 | $17,833 | 335 | Precise Benefit Service LLC |
| National Cinemedia, LLC | $0 | $3,802 | 299 | Holmes Murphy |
| Vexcel Group, Inc. | $0 | $142,782 | 242 | IMA Financial |
| CTL Thompson, Inc. | $0 | $125,450 | 236 | USI Insurance Services |
| Boom Technology, Inc. | $0 | $121,163 | 234 | Lockton |
| Intelepeer Cloud Communications, LLC | $0 | $214,490 | 228 | Whipple & Company |
| Delta Dental of Colorado | $0 | $137,485 | 215 | Daniel Cory |
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 Centennial employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Willis Towers Watson | $519,035 | 3 |
| Mercer | $401,817 | 3 |
| Whipple and Company | $214,490 | 1 |
| HUB International | $211,222 | 1 |
| IMA Financial | $175,889 | 3 |
| USI Insurance Services | $166,196 | 3 |
| Lockton | $141,603 | 3 |
| Moreton & Company | $110,740 | 1 |
| Decisely Insurance Services Inc | $100,730 | 1 |
| Cherry Creek Insurance Agency | $97,593 | 2 |
Largest medical carriers
Medical premium written for these employers.
Centennial against Colorado 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.
| Centennial | Colorado | United States | |
|---|---|---|---|
| Employer plans | 29 | 1,040 | 58,547 |
| Median commission rate | n/a | 5.0% | 3.8% |
| Middle half of rates | n/a | 1.8% – 9.3% | 2.7% – 5.0% |
| Median broker pay per employer | $59,648 | $46,030 | $72,628 |
| Medical premium per covered person | n/a | n/a | $7,274 |
| Plans reporting no commission | 0 | 2 | 933 |
Year over year. In plan year 2023, 28 Centennial employers reported $4.0M in premiums and $3.2M in broker pay for 23,991 participants; in 2024 it was $3.0M and $2.8M for 22,743 participants (premiums −23.8%, broker pay −13.4%).
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 Centennial employers pay health insurance brokers?
29 Centennial employers reported $2,785,233 in broker commissions and fees on their 2024 Form 5500 filings, 29 of them disclosing at least some compensation. Too few fully insured medical plans in Centennial reported premium to compute a stable commission rate; the Colorado median is 5.0% and the U.S. median is 3.8%. In dollars, the median Centennial employer that disclosed broker pay reported $59,648.
Which Centennial employers have the largest health plans?
By insurance premium reported for 2024, Johnson Storage & Moving Company Holding LLC ($1.1M), Blusky Restoration Contractors, LLC ($714,885), Summit Automotive, LLC ($424,038) lead. 25 Centennial employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Centennial?
By compensation reported by Centennial employers, the largest brokers are Willis Towers Watson ($519,035, 3 plans), Mercer ($401,817, 3 plans), Whipple and Company ($214,490, 1 plans). By medical premium, the largest carriers are Gravie, Inc., Rocky Mountain Hospital & Medical Service, Inc., Cigna Health and Life Insurance Company.
Are Centennial employer health plans self-funded or fully insured?
Of 29 Centennial employer plans, 2 are fully insured, 13 are self-funded and 14 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 Colorado
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