Louisville, Colorado employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
23 employers in Louisville, Colorado filed health plans with 100 or more participants for plan year 2024, covering 7,878 participants. They reported $2.7M in insurance premiums and $1.1M in broker commissions and fees. Against 2023, premiums were up 188.5% and broker pay fell 8.2%.
Funding: 2 fully insured · 16 self-funded · 5 mixed. 21 of 23 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Louisville
Louisville employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Sierra Space Corporation | $1,573,927 | $65,329 | 1,916 | Willis Towers Watson |
| Vaisala Incorporated | $244,576 | $51,850 | 314 | Hilb Group of New England |
| Cable Television Laboratories, Inc. | $233,668 | $8,623 | 192 | Brown & Brown |
| Solid Power, Inc. | $178,456 | $55,359 | 269 | HUB International |
| National Entertainment Network, LLC | $147,786 | $29,991 | 372 | Benefit Commerce Group LLC |
| DNPR Services | $127,189 | $35,027 | 137 | Peak Benefits LLC |
| Spectralink Corporation | $123,414 | $51,964 | 107 | Mercer |
| Fenix Outdoor Import, LLC | $89,137 | $20,579 | 329 | Aon |
| Global Healthcare Exchange, Inc. | $0 | $40,137 | 942 | HUB International |
| Sovos Brands Intermediate, Inc. | $0 | $414,040 | 739 | Nua Group LLC |
| Jumpcloud Inc. | $0 | $59,126 | 451 | Lockton |
| Balfour Payroll, LLC | $0 | $26,649 | 359 | HUB International |
| Peaksware Holdings LLC | $0 | $39,490 | 266 | Patriot Growth |
| Boulder Valley Gastroenterology, Inc. | $0 | $13,867 | 254 | USI Insurance Services |
| Biodesix, Inc. | $0 | $31,301 | 219 | Cherry Creek Insurance Agency |
| Alchemer, LLC | $0 | $40,401 | 165 | Mercer |
| Charlotte's Web, Inc. | $0 | $8,110 | 143 | IMA Financial |
| Kiosk Information Systems, Inc. | $0 | $24,077 | 141 | IMA Financial |
| Amp Robotics Corporation | $0 | $9,233 | 124 | Sequoia |
| Mountain High Appliance, Inc | $0 | $4,417 | 115 | GBS Colorado, LLC |
| Gaia International, Inc. | $0 | $10,753 | 115 | Lockton |
| Fresca Holding Company, LLC | $0 | $5,108 | 107 | HUB International |
| Quicksilver Scientific | $0 | $10,074 | 102 | HUB International |
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 Louisville employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Nua Group LLC | $414,040 | 1 |
| HUB International | $127,495 | 5 |
| Mercer | $89,413 | 2 |
| Lockton | $69,879 | 2 |
| Willis Towers Watson | $65,329 | 1 |
| Hilb Group of New England | $40,837 | 1 |
| Patriot Growth | $39,465 | 1 |
| IMA Financial | $29,475 | 2 |
| Peak Benefits | $29,369 | 1 |
| Cherry Creek Insurance Agency | $23,167 | 1 |
Largest medical carriers
Medical premium written for these employers.
Louisville 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.
| Louisville | Colorado | United States | |
|---|---|---|---|
| Employer plans | 23 | 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 | $29,991 | $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, 21 Louisville employers reported $942,287 in premiums and $1.2M in broker pay for 6,124 participants; in 2024 it was $2.7M and $1.1M for 7,878 participants (premiums +188.5%, broker pay −8.2%).
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 Louisville employers pay health insurance brokers?
23 Louisville employers reported $1,055,505 in broker commissions and fees on their 2024 Form 5500 filings, 23 of them disclosing at least some compensation. Too few fully insured medical plans in Louisville 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 Louisville employer that disclosed broker pay reported $29,991.
Which Louisville employers have the largest health plans?
By insurance premium reported for 2024, Sierra Space Corporation ($1.6M), Vaisala Incorporated ($244,576), Cable Television Laboratories, Inc. ($233,668) lead. 23 Louisville employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Louisville?
By compensation reported by Louisville employers, the largest brokers are Nua Group LLC ($414,040, 1 plans), HUB International ($127,495, 5 plans), Mercer ($89,413, 2 plans). By medical premium, the largest carriers are Cigna Health and Life Insurance Company, The Guardian Life Insurance Company of America, Metropolitan Life Insurance Company.
Are Louisville employer health plans self-funded or fully insured?
Of 23 Louisville employer plans, 2 are fully insured, 16 are self-funded and 5 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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