Norwalk, Connecticut employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
33 employers in Norwalk, Connecticut filed health plans with 100 or more participants for plan year 2024, covering 65,650 participants. They reported $3.0M in insurance premiums and $5.0M in broker commissions and fees. Against 2023, premiums were up 53.6% and broker pay fell 12.5%.
Funding: 6 fully insured · 13 self-funded · 14 mixed. 27 of 33 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Norwalk
Norwalk employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| North Mill Equipment Finance, LLC | $1,032,370 | $83,534 | 120 | HP Planning LLC |
| The Fertility Partners (US) Holdings Inc. | $787,246 | $59,418 | 112 | Mercer |
| Frontier Communications Parent, Inc. | $494,360 | $1,249,509 | 9,384 | Amwins Group Benefits LLC |
| Xerox Corporation | $336,785 | $464,840 | 10,290 | Mercer |
| Financial Accounting Foundation | $180,126 | $104,245 | 152 | C.M. Smith Agency, LLC |
| HMTX Industries, LLC | $74,654 | $62,627 | 194 | Lockton |
| Best Friends Pet Care, Inc. | $71,084 | $112,575 | 181 | Alliant Insurance Services |
| Talivity, Inc. | $62,613 | $141,230 | 668 | Mercer |
| Emcor Group, Inc. | $0 | $343,718 | 15,117 | Cleary Benefits Group Inc. |
| Merritt Hospitality LLC | $0 | $93,956 | 7,636 | The Orientation Company, Inc. |
| Terex Corporation | $0 | $285,441 | 4,085 | Willis Towers Watson |
| Booking Holdings Inc. | $0 | $192,109 | 2,885 | Mercer |
| Homeserve USA Corp. | $0 | $107,551 | 2,567 | Alera Group Inc |
| Factset Research Systems Inc. | $0 | $112,600 | 2,436 | Willis Towers Watson |
| Ipsos America, Inc | $0 | $127,449 | 2,079 | Marsh McLennan Agency |
| Security Services Acquisition Sub Corp. | $0 | $91,747 | 2,018 | Emerson Rogers, LLC |
| Stew Leonard's | $0 | $115,024 | 1,129 | Emerson Rogers, LLC |
| Grade a Market, Incorporated | $0 | $3,224 | 790 | Emerson Rogers LLC |
| RT Vanderbilt Holding Company Inc. | $0 | $5,648 | 567 | Mercer |
| Mitsubishi HC Capital America Inc. | $0 | $36,315 | 442 | USI Insurance Services |
| Inspira Marketing Group LLC | $0 | $235,091 | 398 | HP Planning LLC |
| Icr, LLC | $0 | $24,866 | 369 | USI Insurance Services |
| Mbi, Inc. | $0 | $35,495 | 288 | Rocco Mancini |
| LBB Specialties Holdings LLC | $0 | $236,482 | 232 | HP Planning LLC |
| King Industries, Inc. | $0 | $9,836 | 229 | Stirling Benefits Inc. |
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 Norwalk employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Willis Towers Watson | $838,152 | 6 |
| HP Planning LLC | $717,799 | 6 |
| Amwins Group Benefits, LLC | $704,701 | 1 |
| Mercer | $645,952 | 6 |
| Cleary Benefits Group Inc. | $341,342 | 1 |
| Marsh McLennan Agency | $213,593 | 2 |
| Strategic Non-Medical Solution | $155,274 | 1 |
| Emerson Rogers, LLC | $152,647 | 3 |
| American Ben. & Comp. SYS. Inc | $129,695 | 1 |
| AssuredPartners | $124,563 | 1 |
Largest medical carriers
Medical premium written for these employers.
Norwalk 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.
| Norwalk | Connecticut | United States | |
|---|---|---|---|
| Employer plans | 33 | 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 | $104,245 | $74,008 | $72,628 |
| Medical premium per covered person | n/a | $8,147 | $7,274 |
| Plans reporting no commission | 1 | 8 | 933 |
Year over year. In plan year 2023, 37 Norwalk employers reported $2.0M in premiums and $5.7M in broker pay for 62,822 participants; in 2024 it was $3.0M and $5.0M for 65,650 participants (premiums +53.6%, broker pay −12.5%).
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 Norwalk employers pay health insurance brokers?
33 Norwalk employers reported $4,987,578 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 Norwalk 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 Norwalk employer that disclosed broker pay reported $104,245.
Which Norwalk employers have the largest health plans?
By insurance premium reported for 2024, North Mill Equipment Finance, LLC ($1.0M), The Fertility Partners (US) Holdings Inc. ($787,246), Frontier Communications Parent, Inc. ($494,360) lead. 25 Norwalk employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Norwalk?
By compensation reported by Norwalk employers, the largest brokers are Willis Towers Watson ($838,152, 6 plans), HP Planning LLC ($717,799, 6 plans), Amwins Group Benefits, LLC ($704,701, 1 plans). By medical premium, the largest carriers are Cigna Health and Life Insurance Company, Florida Health Care Plans, Inc., MCS Life Insurance Company.
Are Norwalk employer health plans self-funded or fully insured?
Of 33 Norwalk employer plans, 6 are fully insured, 13 are self-funded and 14 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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