Gainesville, Georgia employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
19 employers in Gainesville, Georgia filed health plans with 100 or more participants for plan year 2024, covering 21,841 participants. They reported $759,627 in insurance premiums and $3.1M in broker commissions and fees. Against 2023, premiums were down 52.6% and broker pay rose 4.8%.
Funding: 3 fully insured · 13 self-funded · 3 mixed. 16 of 19 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Gainesville
Gainesville employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Mar-Jac Poultry, Inc. | $759,627 | $317,379 | 2,376 | Administrative Solutions Inc. |
| Northeast Georgia Health System, Inc. | $0 | $883,416 | 9,425 | Champion Benefits, an Alera Group |
| Kubota Manufacturing of America Corporation | $0 | $280,003 | 3,578 | Lockton |
| Cottrell, Inc. | $0 | $101,822 | 1,089 | Turner Wood & Smith |
| Mansfield Oil Company of Gainesville, Inc. | $0 | $321,959 | 949 | Champion Benefits, an Alera Group |
| Tribe Transport, Inc. | $0 | $71,643 | 502 | Cottingham & Butler Insurance |
| Ims Gear Holding, Inc. | $0 | $45,286 | 497 | USI Insurance Services |
| America's Home Place | $0 | $271,240 | 415 | Alera Group, Inc |
| Gold Creek Foods, LLC | $0 | $48,030 | 399 | John Snellings Insurance Agency |
| Ninth District Opportunity, Inc. | $0 | $23,279 | 347 | OneDigital |
| Carroll Daniel Construction Company | $0 | $133,661 | 345 | Turner Wood & Smith Agency |
| Syfan Logistics | $0 | $119,975 | 332 | Turner Wood & Smith Insurance |
| Brenau University | $0 | $34,974 | 305 | Turner Wood and Smith Agency Inc |
| Legacy Risk Solutions LLC | $0 | $57,838 | 286 | Legacy Risk Solutions LLC |
| Hardy Chevrolet, Inc. | $0 | $191,992 | 280 | OneDigital |
| Waste Eliminator, LLC | $0 | $58,886 | 239 | Stephens Insurance, LLC |
| James A. Walters Management Co., Inc. | $0 | $99,508 | 212 | Moulton & Hardin, Inc. |
| Mincey Marble Manufacturing Inc | $0 | $27,811 | 139 | Marsh McLennan Agency |
| Martin Car Financing, Inc. dba Milton Martin Toyota | $0 | $26,673 | 126 | HUB International |
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 Gainesville employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Champion Benefits an Alera Group | $1,193,734 | 2 |
| Lockton | $398,646 | 2 |
| Turner Wood & Smith Insurance | $286,965 | 4 |
| Alera Group, Inc. | $278,443 | 2 |
| OneDigital | $199,240 | 2 |
| Administrative Services Group | $164,915 | 1 |
| Moulton and Hardin, Inc. | $84,107 | 1 |
| Cottingham & Butler | $71,643 | 1 |
| James R Nelligan & Associates LLC | $69,391 | 3 |
| Stephens Insurance LLC | $58,886 | 1 |
Largest medical carriers
Medical premium written for these employers.
Gainesville 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.
| Gainesville | Georgia | United States | |
|---|---|---|---|
| Employer plans | 19 | 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 | $99,508 | $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, 22 Gainesville employers reported $1.6M in premiums and $3.0M in broker pay for 22,209 participants; in 2024 it was $759,627 and $3.1M for 21,841 participants (premiums −52.6%, broker pay +4.8%).
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 Gainesville employers pay health insurance brokers?
19 Gainesville employers reported $3,115,375 in broker commissions and fees on their 2024 Form 5500 filings, 19 of them disclosing at least some compensation. Too few fully insured medical plans in Gainesville 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 Gainesville employer that disclosed broker pay reported $99,508.
Which Gainesville employers have the largest health plans?
By insurance premium reported for 2024, Mar-Jac Poultry, Inc. ($759,627), Northeast Georgia Health System, Inc. ($0), Kubota Manufacturing of America Corporation ($0) lead. 19 Gainesville employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Gainesville?
By compensation reported by Gainesville employers, the largest brokers are Champion Benefits an Alera Group ($1.2M, 2 plans), Lockton ($398,646, 2 plans), Turner Wood & Smith Insurance ($286,965, 4 plans). By medical premium, the largest carriers are Anthem Blue Cross and Blue Shield, Blue Cross and Blue Shield of Georgia, Inc. (g0385), Unum Insurance Company.
Are Gainesville employer health plans self-funded or fully insured?
Of 19 Gainesville employer plans, 3 are fully insured, 13 are self-funded and 3 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 Gainesville, 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.