Englewood, Colorado employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
65 employers in Englewood, Colorado filed health plans with 100 or more participants for plan year 2024, covering 51,184 participants. They reported $5.6M in insurance premiums and $7.0M in broker commissions and fees. Against 2023, premiums were up 146.8% and broker pay rose 22.0%.
Funding: 13 fully insured · 35 self-funded · 17 mixed. 52 of 65 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Englewood
Englewood employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Kodiak Building Partners | $3,541,529 | $702,904 | 6,439 | Meltzer Group Inc |
| Trustees - Contractors Health Trust | $413,278 | — | 2,226 | — |
| Red Robin International, Inc | $277,854 | $320,025 | 2,629 | HUB International |
| Arapahoe/Douglas Mental Health Network | $265,490 | $2,223 | 507 | Brown & Brown |
| Paragon 28. Inc. | $260,924 | $257,928 | 349 | Mercer |
| Utility Data Contractors, LLC | $258,928 | $14,454 | 379 | Hays Companies |
| Saunders Construction Inc. | $227,737 | $20,823 | 284 | IMA Financial |
| Fransen Pittman General Contractors | $144,326 | $23,404 | 146 | Holmes Murphy |
| Burg Simpson Eldredge Hersh Jardine, PC | $111,056 | $70,400 | 145 | HUB International |
| Lightning Ventures, Inc. | $63,090 | $15,448 | 201 | IMA Financial |
| RM Advisory LLC | $18,860 | $52,456 | 197 | Holmes Murphy |
| Dish Network Corporation | $0 | $1,086,486 | 11,089 | Mercer |
| Onepoint Hro, LLC | $0 | $330,234 | 3,810 | Martin-Darley Independent Brokers |
| CSG Systems, Inc. | $0 | $46,883 | 2,213 | Aon |
| American Furniture Warehouse Co. | $0 | $209,289 | 2,119 | HUB International |
| Morningstar Senior Management, LLC | $0 | $198,037 | 1,988 | Propel Insurance Agency, LLC |
| Echostar Corporation | $0 | $323,964 | 1,716 | Lockton |
| Wideopenwest Finance, LLC | $0 | $122,892 | 1,428 | Lockton |
| Zynex Medical, Inc | $0 | $394,752 | 1,046 | USI Insurance Services |
| Craig Hospital | $0 | $47,857 | 932 | Lockton |
| Golftec | $0 | $68,428 | 839 | IMA Financial |
| Skybeam, LLC dba Rise Broadband a Colorado Limited Liability Company | $0 | $121,750 | 761 | Lockton |
| E2 Optics LLC | $0 | $249,157 | 542 | Huntington Insurance Inc |
| Christian Living Communities | $0 | $74,774 | 481 | Lockton |
| Radiology Imaging Associates, PC | $0 | $3,736 | 470 | Mercer |
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 Englewood employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Mercer | $1,337,637 | 3 |
| Lockton | $928,295 | 13 |
| The Meltzer Group Inc | $686,443 | 1 |
| HUB International | $482,423 | 6 |
| USI Insurance Services | $465,857 | 6 |
| IMA Financial | $330,458 | 8 |
| Martin-Darley Independent Brokers | $330,234 | 1 |
| Alliant Insurance Services | $252,376 | 1 |
| Huntington Insurance Inc | $249,157 | 1 |
| CBIZ | $200,100 | 1 |
Largest medical carriers
Medical premium written for these employers.
Englewood 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.
| Englewood | Colorado | United States | |
|---|---|---|---|
| Employer plans | 65 | 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 | $58,594 | $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, 64 Englewood employers reported $2.3M in premiums and $5.7M in broker pay for 41,675 participants; in 2024 it was $5.6M and $7.0M for 51,184 participants (premiums +146.8%, broker pay +22.0%).
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 Englewood employers pay health insurance brokers?
65 Englewood employers reported $6,992,964 in broker commissions and fees on their 2024 Form 5500 filings, 61 of them disclosing at least some compensation. Too few fully insured medical plans in Englewood 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 Englewood employer that disclosed broker pay reported $58,594.
Which Englewood employers have the largest health plans?
By insurance premium reported for 2024, Kodiak Building Partners ($3.5M), Trustees - Contractors Health Trust ($413,278), Red Robin International, Inc ($277,854) lead. 25 Englewood employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Englewood?
By compensation reported by Englewood employers, the largest brokers are Mercer ($1.3M, 3 plans), Lockton ($928,295, 13 plans), The Meltzer Group Inc ($686,443, 1 plans). By medical premium, the largest carriers are Kaiser Foundation Health Plan of Colorado, Unitedhealthcare Insurance Company, Rocky Mountain Hospital & Medical Service, Inc..
Are Englewood employer health plans self-funded or fully insured?
Of 65 Englewood employer plans, 13 are fully insured, 35 are self-funded and 17 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
Is your company on this page? Get its Form 5500 read next to the Englewood, Colorado medians.
Tell us the company and a specialist writes up what the public Form 5500 record shows for it, if it files one: broker pay against the medians above, fee disclosure and filing timeliness, in a form you can forward to your CFO or counsel. Tick the box if you also want a 15-minute walkthrough call.
We don't sell your email. By submitting, you agree that BenefitsLedger and its benefits advisory partner, WellthCare, may email or call you about these findings. Opt out anytime by replying. See our privacy policy.