Golden, Colorado employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
17 employers in Golden, Colorado filed health plans with 100 or more participants for plan year 2024, covering 8,973 participants. They reported $4.4M in insurance premiums and $971,725 in broker commissions and fees. Against 2023, premiums were up 87.3% and broker pay fell 13.0%.
Funding: 3 fully insured · 10 self-funded · 4 mixed. 14 of 17 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Golden
Golden employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Alliance for Sustainable Energy, LLC | $4,344,983 | $339,348 | 3,209 | Mercer |
| Salad Collective | $45,750 | $6,653 | 572 | Lockton |
| Coorstek, LLC | $0 | $90,312 | 2,501 | Lockton |
| Good Times Restaurants, Inc. | $0 | $20,968 | 359 | IMA Financial |
| Fix-It Group, LLC | $0 | $27,236 | 289 | IMA Financial |
| M-E Engineers Inc. | $0 | — | 238 | — |
| Kong Company, LLC | $0 | $32,385 | 233 | Benefit Commerce Group LLC |
| Belmar Midco, Inc. | $0 | $49,679 | 231 | RSC Insurance Brokerage, Inc. |
| Environmental Landworks Company Inc | $0 | $50,399 | 229 | Moody Insurance Agy Inc |
| Wheelabrator Group, Inc. | $0 | $16,989 | 223 | Lockton |
| Mastertech Services, Inc. | $0 | $77,100 | 177 | Holmes Murphy |
| Epilog Corporation | $0 | $18,542 | 132 | IMA Financial |
| Spyderco Inc. | $0 | $54,229 | 129 | Tim J.Hefferman |
| Tda Research, Inc. | $0 | $61,713 | 121 | Taggart & Associates |
| Kelley Trucking Inc. | $0 | $81,450 | 116 | USI Insurance Services |
| Spartan Investment Group | $0 | $32,394 | 111 | Boon Chapman Benefit Administrators |
| Gunslinger Customs, Inc. | $0 | $12,328 | 103 | Patriot Growth |
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 Golden employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Mercer | $319,056 | 1 |
| Lockton | $113,472 | 3 |
| USI Insurance Services | $81,450 | 1 |
| IMA Financial | $62,538 | 3 |
| Taggart & Associates | $50,272 | 1 |
| Holmes Murphy | $47,050 | 1 |
| RSC Insurance Brokerage, Inc. | $43,941 | 1 |
| Tim J.Hefferman | $42,311 | 1 |
| Boon Chapman Benefit Administrators | $38,730 | 2 |
| Benefit Commerce Group | $29,852 | 1 |
Largest medical carriers
Medical premium written for these employers.
Golden 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.
| Golden | Colorado | United States | |
|---|---|---|---|
| Employer plans | 17 | 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 | $41,037 | $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, 17 Golden employers reported $2.3M in premiums and $1.1M in broker pay for 9,301 participants; in 2024 it was $4.4M and $971,725 for 8,973 participants (premiums +87.3%, broker pay −13.0%).
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 Golden employers pay health insurance brokers?
17 Golden employers reported $971,725 in broker commissions and fees on their 2024 Form 5500 filings, 16 of them disclosing at least some compensation. Too few fully insured medical plans in Golden 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 Golden employer that disclosed broker pay reported $41,037.
Which Golden employers have the largest health plans?
By insurance premium reported for 2024, Alliance for Sustainable Energy, LLC ($4.3M), Salad Collective ($45,750), Coorstek, LLC ($0) lead. 17 Golden employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Golden?
By compensation reported by Golden employers, the largest brokers are Mercer ($319,056, 1 plans), Lockton ($113,472, 3 plans), USI Insurance Services ($81,450, 1 plans). By medical premium, the largest carriers are Cigna Health and Life Insurance Company, Kaiser Foundation Health Plan, Inc., Kaiser Foundation Health Plan of the Northwest.
Are Golden employer health plans self-funded or fully insured?
Of 17 Golden employer plans, 3 are fully insured, 10 are self-funded and 4 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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