Bloomington, Illinois employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
16 employers in Bloomington, Illinois filed health plans with 100 or more participants for plan year 2024, covering 117,040 participants. They reported $106M in insurance premiums and $1.1M in broker commissions and fees. Against 2023, premiums were down 22.5% and broker pay fell 27.6%.
Funding: 3 fully insured · 9 self-funded · 4 mixed. 13 of 16 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Bloomington
Bloomington employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company | $100,370,933 | $66,966 | 101,313 | Heartland Healthcare Coalition |
| Nu-Way Transportation Services, Inc | $5,264,888 | $56,190 | 353 | RW Troxell and Company |
| Illinois Network of Child Care Resources and Referral Agencies | $135,863 | $167,123 | 239 | Clemens & Associates Life Agency |
| CC Services, Inc. | $0 | $42,500 | 4,415 | Lockton |
| Imperial Optic Midco | $0 | $133,976 | 2,967 | USI Insurance Services |
| Afni, Inc. | $0 | $274,908 | 2,295 | Marsh McLennan Agency |
| Growmark Inc. | $0 | — | 2,146 | — |
| HBT Financial, Inc. | $0 | $76,418 | 873 | USI Insurance Services |
| Farnsworth Group, Inc | $0 | $99,798 | 512 | Cottingham & Butler Ins Services |
| Heritage Operations Group, LLC | $0 | $74,850 | 500 | Benefit Educators, LLC |
| Chestnut Health Systems, Inc. | $0 | — | 477 | — |
| Illinois Wesleyan University | $0 | — | 312 | — |
| Gailey Eye Clinic, LTD. | $0 | $58,702 | 220 | Bpa Troxell Benefits LLC |
| Evergreen FS, Inc. | $0 | — | 176 | — |
| Zeller Innovations dba Roomready | $0 | $74,969 | 123 | Cottingham and Butler Insurance |
| Maxby Hospitality, Inc. | $0 | $20,050 | 119 | The Horton Group, 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 Bloomington employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Marsh McLennan Agency | $259,060 | 2 |
| USI Insurance Services | $210,394 | 2 |
| Cottingham & Butler | $143,071 | 2 |
| Cottingham & Butler Ins Services | $94,891 | 1 |
| Clemens & Associates Life Agency | $93,245 | 1 |
| Heartland Healthcare Coalition | $66,966 | 1 |
| Bpa Troxell Benefits | $62,926 | 2 |
| Lockton | $60,484 | 2 |
| RW Troxell and Company | $51,966 | 1 |
| Benefit Educators, LLC | $24,201 | 1 |
Largest medical carriers
Medical premium written for these employers.
Bloomington against Illinois 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.
| Bloomington | Illinois | United States | |
|---|---|---|---|
| Employer plans | 16 | 2,831 | 58,547 |
| Median commission rate | n/a | 1.5% | 3.8% |
| Middle half of rates | n/a | 0.4% – 3.1% | 2.7% – 5.0% |
| Median broker pay per employer | $74,910 | $85,899 | $72,628 |
| Medical premium per covered person | n/a | $6,708 | $7,274 |
| Plans reporting no commission | 0 | 30 | 933 |
Year over year. In plan year 2023, 14 Bloomington employers reported $136M in premiums and $1.6M in broker pay for 117,303 participants; in 2024 it was $106M and $1.1M for 117,040 participants (premiums −22.5%, broker pay −27.6%).
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 Bloomington employers pay health insurance brokers?
16 Bloomington employers reported $1,146,450 in broker commissions and fees on their 2024 Form 5500 filings, 12 of them disclosing at least some compensation. Too few fully insured medical plans in Bloomington reported premium to compute a stable commission rate; the Illinois median is 1.5% and the U.S. median is 3.8%. In dollars, the median Bloomington employer that disclosed broker pay reported $74,910.
Which Bloomington employers have the largest health plans?
By insurance premium reported for 2024, State Farm Mutual Automobile Insurance Company ($100M), Nu-Way Transportation Services, Inc ($5.3M), Illinois Network of Child Care Resources and Referral Agencies ($135,863) lead. 16 Bloomington employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Bloomington?
By compensation reported by Bloomington employers, the largest brokers are Marsh McLennan Agency ($259,060, 2 plans), USI Insurance Services ($210,394, 2 plans), Cottingham & Butler ($143,071, 2 plans). By medical premium, the largest carriers are Health Care Service Corporation, Bluecross Blueshield of Illinois, Blue Cross and Blue Shield of Minnesota.
Are Bloomington employer health plans self-funded or fully insured?
Of 16 Bloomington employer plans, 3 are fully insured, 9 are self-funded and 4 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 Illinois
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