Hartford, Connecticut employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
36 employers in Hartford, Connecticut filed health plans with 100 or more participants for plan year 2024, covering 76,965 participants. They reported $4.1M in insurance premiums and $4.8M in broker commissions and fees. Against 2023, premiums were up 47.8% and broker pay rose 15.2%.
Funding: 9 fully insured · 14 self-funded · 13 mixed. 27 of 36 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Hartford
Hartford employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| H. N. S. Management Company Inc. | $1,668,030 | $334,083 | 1,782 | C.M Smith Agency, Inc. |
| Compass MSP, LLC | $1,565,005 | $101,028 | 276 | Smith Brothers Insurance LLC |
| Virtus Investment Partners, Inc. | $793,610 | $54,590 | 829 | Lockton |
| Whittlesey PC Welfare Benefit Plan | $61,572 | $6,835 | 128 | Seth Jason Kalkstein |
| Halloran Sage LLP | $43,114 | $19,847 | 135 | OneDigital |
| Hartford Healthcare Corporation | $0 | $140,541 | 24,612 | Aon |
| Hartford Fire Insurance Company | $0 | — | 17,122 | — |
| Eversource Energy Service Company | $0 | $1,045,901 | 9,951 | Strategic Benefit Advisors Inc |
| Board of Trustes-New England Health Care Empl Welfare FD | $0 | $37,415 | 5,679 | Labor First, LLC |
| Connecticut Childrens Medical Center | $0 | $340,660 | 3,821 | Gallagher |
| Laz Karp Associates, LLC | $0 | $346,653 | 2,221 | Gallagher |
| Carecentrix, Inc. | $0 | $46,629 | 1,863 | Mercer |
| Pro Park, LLC | $0 | $298,831 | 887 | Digital Benefit Advisor - Chi Metro |
| The Connecticut Institute for the Blind Oak Hill | $0 | $58,805 | 704 | HP Planning, LLC |
| Insurity LLC | $0 | $25,731 | 656 | Lockton |
| Trustees of Trinity College | $0 | $39,774 | 645 | USI Insurance Services |
| Talcott Resolution Life, Inc | $0 | $8,833 | 560 | Aon |
| Valvoline Instant Oil Change | $0 | — | 513 | — |
| The Nassau Companies of New York | $0 | $70,618 | 513 | Lockton |
| Robinson & Cole LLP | $0 | $385,221 | 485 | Aon |
| Aetna Inc. | $0 | — | 465 | — |
| Colt's Manufacturing Company LLC | $0 | $5,571 | 363 | USI Insurance Services |
| The Village for Families & Children | $0 | $292,013 | 299 | NFP |
| Shipman & Goodwin LLP | $0 | $37,539 | 266 | Lockton |
| Community Renewal Team | $0 | $59,365 | 236 | OneDigital |
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 Hartford employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Strategic Services Group | $563,123 | 1 |
| Brown & Brown | $482,778 | 1 |
| Aon | $417,743 | 3 |
| Gallagher | $380,891 | 4 |
| Lockton | $299,721 | 5 |
| C M Smith Agency LLC | $277,904 | 3 |
| WDK Benefits, LLC | $244,818 | 2 |
| Digital Benefit Advisor - Chi Metro | $232,595 | 1 |
| OneDigital | $217,899 | 7 |
| NFP | $209,843 | 3 |
Largest medical carriers
Medical premium written for these employers.
Hartford 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.
| Hartford | Connecticut | United States | |
|---|---|---|---|
| Employer plans | 36 | 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 | $70,618 | $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, 37 Hartford employers reported $2.8M in premiums and $4.2M in broker pay for 74,307 participants; in 2024 it was $4.1M and $4.8M for 76,965 participants (premiums +47.8%, broker pay +15.2%).
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 Hartford employers pay health insurance brokers?
36 Hartford employers reported $4,828,983 in broker commissions and fees on their 2024 Form 5500 filings, 33 of them disclosing at least some compensation. Too few fully insured medical plans in Hartford 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 Hartford employer that disclosed broker pay reported $70,618.
Which Hartford employers have the largest health plans?
By insurance premium reported for 2024, H. N. S. Management Company Inc. ($1.7M), Compass MSP, LLC ($1.6M), Virtus Investment Partners, Inc. ($793,610) lead. 25 Hartford employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Hartford?
By compensation reported by Hartford employers, the largest brokers are Strategic Services Group ($563,123, 1 plans), Brown & Brown ($482,778, 1 plans), Aon ($417,743, 3 plans). By medical premium, the largest carriers are Cigna Health and Life Insurance Company, Anthem Health Plans, Inc., Metropolitan Life Insurance Company.
Are Hartford employer health plans self-funded or fully insured?
Of 36 Hartford employer plans, 9 are fully insured, 14 are self-funded and 13 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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