Shelton, Connecticut employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
35 employers in Shelton, Connecticut filed health plans with 100 or more participants for plan year 2024, covering 28,408 participants. They reported $12M in insurance premiums and $3.4M in broker commissions and fees. Against 2023, premiums were up 190.9% and broker pay rose 25.0%.
Funding: 7 fully insured · 12 self-funded · 16 mixed. 28 of 35 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Shelton
Shelton employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Lightbox Employer, L.L.C. | $4,802,343 | $494,191 | 428 | Preferred Benefits Group |
| Sectra, Inc. | $2,770,288 | $169,302 | 202 | HP Planning, LLC |
| Acme United Corporation | $1,715,217 | $123,697 | 436 | Mercer |
| Career Team Enterprises, LLC | $1,217,487 | $101,068 | 197 | Lockton |
| HCP Packaging USA, Inc | $820,705 | $66,869 | 141 | Richards, Inc. |
| Connecticut Renaissance Inc Veba Trust | $344,346 | $5,342 | 110 | NFP |
| Bic Corporation | $194,028 | $14,358 | 934 | Em-Power Services, Inc. |
| Sperry Rail, Inc. | $171,695 | $41,550 | 374 | Mercer |
| Comet Technologies USA, Inc. | $162,839 | $28,780 | 209 | USI Insurance Services |
| Hubbell Incorporated & Subsidiaries | $73,680 | $359,823 | 9,881 | Mercer |
| Edgewell Personal Care Company | $41,833 | $115,437 | 2,107 | Bswift, LLC |
| Richemont North America, Inc. | $0 | $111,777 | 2,779 | Gallagher |
| Perkinelmer U.S. LLC | $0 | $137,219 | 1,398 | Brown & Brown |
| Healthplanone, LLC | $0 | $246,022 | 1,153 | Custom Benefits Prog Inc an Aon Co |
| Inline Plastics Corp | $0 | $43,002 | 982 | OneDigital |
| Service Management Group, LLC | $0 | $12,310 | 940 | Marsh McLennan Agency |
| Franchise World Headquarters, LLC | $0 | $111,752 | 832 | Rogers Benefit Group, Inc. |
| Dynata, LLC | $0 | $66,481 | 647 | USI Insurance Services |
| Hubbell Caribe Limited | $0 | $38,952 | 543 | Marsh McLennan Agency |
| Tomra of North America | $0 | $103,672 | 491 | CM Smith Agency Inc |
| Precision Resource Inc. | $0 | — | 418 | — |
| William Raveis Real Estate, Inc. | $0 | $28,185 | 368 | USI Insurance Services |
| Panolam Industries International, Inc. | $0 | $2,145 | 366 | Willis Towers Watson |
| Clarion Events, Inc. | $0 | $120,452 | 315 | USI Insurance Services |
| United Methodist Homes, Inc. | $0 | $105,807 | 273 | NFP |
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 Shelton employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Mercer | $561,875 | 5 |
| Preferred Benefits LLC | $326,067 | 1 |
| HP Planning LLC | $248,559 | 4 |
| USI Insurance Services | $238,793 | 6 |
| Willis Towers Watson | $188,611 | 4 |
| Lockton | $153,346 | 2 |
| Gallagher | $139,621 | 3 |
| Custom Benefits Prog Inc an Aon Co | $138,856 | 1 |
| Brown & Brown | $137,219 | 1 |
| NFP | $135,138 | 3 |
Largest medical carriers
Medical premium written for these employers.
Shelton 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.
| Shelton | Connecticut | United States | |
|---|---|---|---|
| Employer plans | 35 | 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 | $90,859 | $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, 31 Shelton employers reported $4.2M in premiums and $2.7M in broker pay for 25,057 participants; in 2024 it was $12M and $3.4M for 28,408 participants (premiums +190.9%, broker pay +25.0%).
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 Shelton employers pay health insurance brokers?
35 Shelton employers reported $3,392,077 in broker commissions and fees on their 2024 Form 5500 filings, 34 of them disclosing at least some compensation. Too few fully insured medical plans in Shelton 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 Shelton employer that disclosed broker pay reported $90,859.
Which Shelton employers have the largest health plans?
By insurance premium reported for 2024, Lightbox Employer, L.L.C. ($4.8M), Sectra, Inc. ($2.8M), Acme United Corporation ($1.7M) lead. 25 Shelton employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Shelton?
By compensation reported by Shelton employers, the largest brokers are Mercer ($561,875, 5 plans), Preferred Benefits LLC ($326,067, 1 plans), HP Planning LLC ($248,559, 4 plans). By medical premium, the largest carriers are Cigna Health and Life Insurance Company, Qbe Insurance, Cigna Health and Life Insurance Company and Affiliates (cigna).
Are Shelton employer health plans self-funded or fully insured?
Of 35 Shelton employer plans, 7 are fully insured, 12 are self-funded and 16 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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