Danbury, Connecticut employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
26 employers in Danbury, Connecticut filed health plans with 100 or more participants for plan year 2024, covering 37,782 participants. They reported $7.4M in insurance premiums and $3.3M in broker commissions and fees. Against 2023, premiums were up 16.7% and broker pay rose 21.7%.
Funding: 7 fully insured · 8 self-funded · 11 mixed. 19 of 26 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Danbury
Danbury employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Waterworks Operating Co. LLC | $3,300,087 | $124,851 | 368 | NFP |
| Savings Bank of Danbury | $1,585,127 | $152,982 | 203 | NFP |
| Linde Inc. | $1,222,308 | $386,068 | 15,024 | Mercer |
| Acuren Inspection, Inc. | $1,127,015 | $258,495 | 3,230 | Img |
| Orthoconnecticut, PC | $115,790 | $19,841 | 200 | USI Insurance Services |
| Fairfield Processing Corp. | $44,065 | $63,055 | 111 | York International Agency, LLC. |
| Nuvance Health | $0 | $656,073 | 9,747 | Custom Benefit Programs |
| Ethan Allen Global,inc | $0 | $100,015 | 1,900 | C. M. Smith Agency, LLC |
| Odyssey Logistics & Technology Corporation | $0 | $139,773 | 1,478 | Willis Towers Watson |
| Arka Group, L.P. | $0 | $256,203 | 874 | Willis Towers Watson |
| DMT Solutions Global Corporation | $0 | $10,079 | 775 | Willis Towers Watson |
| Union Savings Bank | $0 | $116,822 | 509 | Cleary Benefits Group Inc |
| Fuelcell Energy, Inc. | $0 | $85,347 | 499 | Acrisure |
| Belimo Aircontrols USA Inc. | $0 | $137,735 | 489 | EPIC Insurance Brokers |
| DMGT US Employee Services Inc. | $0 | $38,031 | 390 | USI Insurance Services |
| Dental Associates of CT, P.C. | $0 | $1,806 | 312 | Gary Wood Associates, Inc. |
| Motel Hotel Associates, Inc. | $0 | $130,753 | 198 | Mercer |
| Lesserevil, LLC | $0 | $46,472 | 197 | Gallagher |
| Family & Children's Aid, Inc. | $0 | $19,963 | 184 | Rose & Kiernan, Inc. |
| Ingersoll Auto Group Inc. | $0 | $105,949 | 183 | Cambridge Life Brokerage LLC |
| Health Quest | $0 | — | 181 | — |
| Canopy Life Sciences LLC | $0 | $90,575 | 177 | Corporate Plans Retirement |
| Connecticut Institute for Communities, Inc. | $0 | $115,443 | 177 | Schuster Driscoll, LLC |
| Bedoukian Research, Inc. | $0 | $98,301 | 147 | Patriot Growth |
| Norbert E. Mitchell Co., Inc. | $0 | $113,976 | 118 | Marsh McLennan Agency |
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 Danbury employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Mercer | $517,002 | 3 |
| Custom Benefit Programs Inc | $385,290 | 1 |
| Willis Towers Watson | $368,316 | 3 |
| NFP | $245,754 | 4 |
| Gallagher | $179,210 | 3 |
| Aon | $92,659 | 1 |
| Rose & Kiernan Inc | $87,799 | 4 |
| Cleary Benefits Group Inc. | $86,728 | 1 |
| C M Smith Agency LLC | $85,401 | 1 |
| Patriot Growth | $84,250 | 1 |
Largest medical carriers
Medical premium written for these employers.
Danbury against Connecticut 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.
| Danbury | Connecticut | United States | |
|---|---|---|---|
| Employer plans | 26 | 722 | 58,547 |
| Median commission rate | n/a | 6.0% | 3.8% |
| Middle half of rates | n/a | 4.1% – 6.9% | 2.7% – 5.0% |
| Median broker pay per employer | $109,963 | $74,008 | $72,628 |
| Medical premium per covered person | n/a | $8,147 | $7,274 |
| Plans reporting no commission | 0 | 8 | 933 |
Year over year. In plan year 2023, 25 Danbury employers reported $6.3M in premiums and $2.7M in broker pay for 35,036 participants; in 2024 it was $7.4M and $3.3M for 37,782 participants (premiums +16.7%, broker pay +21.7%).
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 Danbury employers pay health insurance brokers?
26 Danbury employers reported $3,268,608 in broker commissions and fees on their 2024 Form 5500 filings, 24 of them disclosing at least some compensation. Too few fully insured medical plans in Danbury reported premium to compute a stable commission rate; the Connecticut median is 6.0% and the U.S. median is 3.8%. In dollars, the median Danbury employer that disclosed broker pay reported $109,963.
Which Danbury employers have the largest health plans?
By insurance premium reported for 2024, Waterworks Operating Co. LLC ($3.3M), Savings Bank of Danbury ($1.6M), Linde Inc. ($1.2M) lead. 25 Danbury employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Danbury?
By compensation reported by Danbury employers, the largest brokers are Mercer ($517,002, 3 plans), Custom Benefit Programs Inc ($385,290, 1 plans), Willis Towers Watson ($368,316, 3 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 Mid-Atlantic States, Inc..
Are Danbury employer health plans self-funded or fully insured?
Of 26 Danbury employer plans, 7 are fully insured, 8 are self-funded and 11 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 Connecticut
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