Atlanta, Georgia employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
612 employers in Atlanta, Georgia filed health plans with 100 or more participants for plan year 2024, covering 1,604,178 participants. They reported $176M in insurance premiums and $111M in broker commissions and fees. The median broker rate on commission-paying, fully insured medical plans was 6.6% of premium, against 7.0% across Georgia and 3.8% nationally. Against 2023, premiums were up 11.9% and broker pay rose 7.5%.
Funding: 109 fully insured · 255 self-funded · 248 mixed. 503 of 612 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Atlanta
Atlanta employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Southern Company Services, Inc. | $20,597,413 | $2,056,972 | 42,001 | Willis Towers Watson |
| Arauco North America Inc | $18,485,681 | — | 1,062 | — |
| Spelman College | $9,453,366 | — | 517 | — |
| American Cancer Society, Inc | $8,957,853 | $609,203 | 4,079 | Alliant Insurance Services |
| Home Depot USA, Inc. | $7,950,613 | $1,721,411 | 386,769 | Willis Towers Watson |
| United Parcel Service of America, Inc. | $6,125,093 | $1,119,645 | 72,757 | Willis Towers Watson |
| Grady Memorial Hospital Corporation | $5,931,538 | $1,110,275 | 7,306 | USI Insurance Services |
| Tricentis | $5,619,652 | $366,215 | 515 | Marsh McLennan Agency |
| Chick-Fil-A, Inc. | $5,334,635 | $1,440,832 | 8,694 | MBL Advisors Inc |
| Cox Enterprises, Inc. | $5,148,634 | $498,569 | 42,659 | Mercer |
| Aon Corporation | $5,012,743 | $2,815,545 | 20,961 | Aon |
| Qgenda, LLC | $4,242,477 | $380,900 | 628 | USI Insurance Services |
| Optomi, LLC | $3,797,219 | $71,363 | 1,024 | AssuredPartners |
| Big Blue Marble Academy | $3,792,951 | $190,028 | 1,619 | HUB International |
| Carestream Dental LLC | $3,737,415 | $106,449 | 402 | Mercer |
| Atlanticus Holdings Corporation | $3,445,105 | $256,523 | 390 | OneDigital |
| Mueller Group, LLC | $3,032,900 | $533,968 | 2,273 | Lockton |
| Epi-Use America, Inc. | $2,941,649 | $308,552 | 416 | Marsh McLennan Agency |
| Rubicon Global LLC | $2,860,856 | $255,834 | 336 | NFP |
| Kilpatrick Townsend & Stockton LLP | $2,606,634 | $546,751 | 1,165 | Mercer |
| Guided BY Good, Inc. | $2,430,991 | $239,114 | 354 | Fallon Benefits Group |
| Columbia Residential Properties, LLC | $2,308,482 | $104,118 | 256 | Higginbotham |
| Ivision Scale, LLC. | $2,307,841 | $204,036 | 269 | Marsh McLennan Agency |
| Oncohealth | $2,212,751 | $157,006 | 209 | Marsh McLennan Agency |
| Hawkins Parnell & Young, LLP | $2,049,160 | $204,162 | 304 | Acrisure |
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 Atlanta employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Willis Towers Watson | $11,099,283 | 39 |
| Lockton | $10,922,864 | 69 |
| Marsh McLennan Agency | $10,574,503 | 96 |
| USI Insurance Services | $8,941,393 | 81 |
| Aon | $7,251,024 | 22 |
| Mercer | $6,248,640 | 30 |
| OneDigital | $5,436,836 | 61 |
| Alliant Insurance Services | $4,648,433 | 31 |
| EPIC Insurance Brokers | $4,310,054 | 19 |
| Gallagher | $2,672,991 | 18 |
Largest medical carriers
Medical premium written for these employers.
Atlanta 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.
| Atlanta | Georgia | United States | |
|---|---|---|---|
| Employer plans | 612 | 1,709 | 58,547 |
| Median commission rate | 6.6% (22 plans) | 7.0% | 3.8% |
| Middle half of rates | 5.8% – 8.2% | 5.7% – 8.3% | 2.7% – 5.0% |
| Median broker pay per employer | $103,477 | $86,655 | $72,628 |
| Medical premium per covered person | $6,535 | $6,385 | $7,274 |
| Plans reporting no commission | 7 | 17 | 933 |
Year over year. In plan year 2023, 604 Atlanta employers reported $157M in premiums and $103M in broker pay for 1,590,116 participants; in 2024 it was $176M and $111M for 1,604,178 participants (premiums +11.9%, broker pay +7.5%).
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 Atlanta employers pay health insurance brokers?
612 Atlanta employers reported $110,519,759 in broker commissions and fees on their 2024 Form 5500 filings, 578 of them disclosing at least some compensation. Among 22 commission-paying, fully insured medical plans, the median broker rate was 6.6% of premium, 0.5 points below the Georgia median of 7.0% and 2.8 points above the U.S. median of 3.8%. In dollars, the median Atlanta employer that disclosed broker pay reported $103,477.
Which Atlanta employers have the largest health plans?
By insurance premium reported for 2024, Southern Company Services, Inc. ($21M), Arauco North America Inc ($18M), Spelman College ($9.5M) lead. 25 Atlanta employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Atlanta?
By compensation reported by Atlanta employers, the largest brokers are Willis Towers Watson ($11M, 39 plans), Lockton ($11M, 69 plans), Marsh McLennan Agency ($11M, 96 plans). By medical premium, the largest carriers are Cigna Health and Life Insurance Company, Blue Cross and Blue Shield of Alabama, Triple S Salud, Inc..
Are Atlanta employer health plans self-funded or fully insured?
Of 612 Atlanta employer plans, 109 are fully insured, 255 are self-funded and 248 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
Is your company on this page? Get its Form 5500 read next to the Atlanta, Georgia medians.
Tell us the company and a specialist writes up what the public Form 5500 record shows for it, if it files one: broker pay against the medians above, fee disclosure and filing timeliness, in a form you can forward to your CFO or counsel. Tick the box if you also want a 15-minute walkthrough call.
We don't sell your email. By submitting, you agree that BenefitsLedger and its benefits advisory partner, WellthCare, may email or call you about these findings. Opt out anytime by replying. See our privacy policy.