Athens, Georgia employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
15 employers in Athens, Georgia filed health plans with 100 or more participants for plan year 2024, covering 4,418 participants. They reported $711,632 in insurance premiums and $1.3M in broker commissions and fees. Against 2023, premiums were up 7.1% and broker pay fell 12.4%.
Funding: 4 fully insured · 6 self-funded · 5 mixed. 11 of 15 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Athens
Athens employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Zaxby's Franchising LLC | $711,632 | $376,597 | 1,022 | OneDigital |
| Landmark Properties, Inc. | $0 | $164,976 | 949 | IMA Financial |
| Athens Orthopedic Clinic, PA | $0 | $77,346 | 356 | Marsh McLennan Agency |
| Rah Holdings, LLC | $0 | $38,173 | 288 | Marsh McLennan Agency |
| PBR, Inc. dba Skaps Industries | $0 | $76,121 | 227 | Marsh McLennan Agency |
| Oxford Foods, Inc. | $0 | $71,979 | 195 | USI Insurance Services |
| Heyward Allen Motor Company Inc | $0 | $23,880 | 183 | Chastain and Associates Insurance |
| Avants Management Group | $0 | $53,989 | 180 | Marsh McLennan Agency |
| Docebo Na Inc | $0 | $146,548 | 176 | Marsh McLennan Agency |
| Dco, Inc. | $0 | $125,646 | 173 | Moulton & Hardin Inc |
| Leon Farmer and Company | $0 | $65,695 | 155 | Chastain and Associates |
| Athens Academy, Inc. | $0 | $54,952 | 150 | Chastain & Associates Insurance Age |
| University Cancer & Blood Center, LLC | $0 | — | 138 | — |
| Escoe Industrial Mechanical | $0 | $46,684 | 121 | Patriot Growth |
| Trinity EMS Consulting Service, LLC | $0 | $20,558 | 105 | A Team Benefits of Ga |
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 Athens employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Marsh McLennan Agency | $348,402 | 6 |
| OneDigital | $288,917 | 1 |
| IMA Financial | $154,884 | 1 |
| Chastain & Associates Insurance Age | $135,544 | 3 |
| Moulton and Hardin, Inc. | $125,646 | 1 |
| USI Insurance Services | $70,480 | 1 |
| Ibenefit Communications, LLC | $47,963 | 1 |
| Patriot Growth | $37,553 | 1 |
| Benetek Corporation | $25,774 | 1 |
| The Cason Group Inc | $17,930 | 3 |
Largest medical carriers
Medical premium written for these employers.
Athens against Georgia 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.
| Athens | Georgia | United States | |
|---|---|---|---|
| Employer plans | 15 | 1,709 | 58,547 |
| Median commission rate | n/a | 7.0% | 3.8% |
| Middle half of rates | n/a | 5.7% – 8.3% | 2.7% – 5.0% |
| Median broker pay per employer | $68,837 | $86,655 | $72,628 |
| Medical premium per covered person | n/a | $6,385 | $7,274 |
| Plans reporting no commission | 0 | 17 | 933 |
Year over year. In plan year 2023, 16 Athens employers reported $664,601 in premiums and $1.5M in broker pay for 4,919 participants; in 2024 it was $711,632 and $1.3M for 4,418 participants (premiums +7.1%, broker pay −12.4%).
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 Athens employers pay health insurance brokers?
15 Athens employers reported $1,343,144 in broker commissions and fees on their 2024 Form 5500 filings, 14 of them disclosing at least some compensation. Too few fully insured medical plans in Athens reported premium to compute a stable commission rate; the Georgia median is 7.0% and the U.S. median is 3.8%. In dollars, the median Athens employer that disclosed broker pay reported $68,837.
Which Athens employers have the largest health plans?
By insurance premium reported for 2024, Zaxby's Franchising LLC ($711,632), Landmark Properties, Inc. ($0), Athens Orthopedic Clinic, PA ($0) lead. 15 Athens employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Athens?
By compensation reported by Athens employers, the largest brokers are Marsh McLennan Agency ($348,402, 6 plans), OneDigital ($288,917, 1 plans), IMA Financial ($154,884, 1 plans). By medical premium, the largest carriers are Unitedhealthcare Insurance Company, Blue Cross Blue Shield Healthcare Plan of Georgia, Inc., Cigna Health and Life Insurance Company.
Are Athens employer health plans self-funded or fully insured?
Of 15 Athens employer plans, 4 are fully insured, 6 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 Georgia
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