Decatur, Illinois employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
18 employers in Decatur, Illinois filed health plans with 100 or more participants for plan year 2024, covering 29,263 participants. They reported $7.3M in insurance premiums and $1.6M in broker commissions and fees. Against 2023, premiums were down 27.9% and broker pay rose 31.3%.
Funding: 6 fully insured · 8 self-funded · 4 mixed. 12 of 18 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Decatur
Decatur employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Archer Daniels Midland Company | $5,361,746 | $263,878 | 9,260 | EPIC Insurance Brokers |
| Tate & Lyle Americas LLC | $1,818,468 | $48,987 | 982 | Willis Towers Watson |
| Vector Construction, Inc | $137,308 | $50,525 | 130 | Acrisure |
| Board of Trustees of the Neca-Ibew Welfare Trust Fund | $0 | $495,850 | 14,299 | Labor First LLC |
| Primary Products Ingredients Americas LLC | $0 | $61,637 | 1,522 | Willis Towers Watson |
| Tharaldson Hospitality Staffing, LLC | $0 | $36,073 | 516 | Custom Benefit Programs, Inc. |
| Millikin University | $0 | $18,895 | 477 | R & R Insurance Services, Inc. |
| Fuyao Glass Illinois, Inc. | $0 | $177,641 | 402 | Hylant |
| McLeod Express, LLC | $0 | $48,119 | 333 | Cottingham & Butler Ins Services |
| Macon Resources, Inc. | $0 | $61,144 | 200 | First Mid Insurance Group, Inc. |
| Cancer Care Specialists of Central Illinois, S.C | $0 | $16,469 | 182 | First Mid Insurance Group, Inc. |
| Decatur Park District | $0 | $32,476 | 172 | Travis Schmid - Dansig Inc |
| Bickes, Inc. | $0 | $12,192 | 147 | Dansig, Inc. |
| Hickory Point Bank & Trust | $0 | $69,767 | 141 | Travis D Schmid |
| T/Cci Manufacturing, L.L.C. Employee Benefit Plan | $0 | $93,894 | 140 | Gallagher |
| Heritage Behavioral Health Center, Inc. | $0 | $54,892 | 129 | Jaggi Petry Insurance & Investment |
| Land of Lincoln Credit Union | $0 | $71,404 | 126 | Stumm Insurance LLC |
| Consociate, Inc. and Dansig, Inc. | $0 | $6,880 | 105 | Dansig 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 Decatur employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Labor First LLC | $433,826 | 1 |
| Hylant | $177,641 | 1 |
| Willis Towers Watson | $110,624 | 2 |
| EPIC Insurance Brokers | $100,004 | 1 |
| Gallagher | $99,182 | 2 |
| Dansig, Inc. | $92,353 | 4 |
| Alight Solutions | $84,310 | 1 |
| First Mid Insurance Group Inc | $77,493 | 2 |
| Stumm Insurance LLC | $68,296 | 1 |
| Ullico Investment Company, LLC | $56,004 | 1 |
Largest medical carriers
Medical premium written for these employers.
Decatur 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.
| Decatur | Illinois | United States | |
|---|---|---|---|
| Employer plans | 18 | 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 | $52,709 | $85,899 | $72,628 |
| Medical premium per covered person | n/a | $6,708 | $7,274 |
| Plans reporting no commission | 1 | 30 | 933 |
Year over year. In plan year 2023, 16 Decatur employers reported $10M in premiums and $1.2M in broker pay for 27,715 participants; in 2024 it was $7.3M and $1.6M for 29,263 participants (premiums −27.9%, broker pay +31.3%).
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 Decatur employers pay health insurance brokers?
18 Decatur employers reported $1,620,723 in broker commissions and fees on their 2024 Form 5500 filings, 18 of them disclosing at least some compensation. Too few fully insured medical plans in Decatur 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 Decatur employer that disclosed broker pay reported $52,709.
Which Decatur employers have the largest health plans?
By insurance premium reported for 2024, Archer Daniels Midland Company ($5.4M), Tate & Lyle Americas LLC ($1.8M), Vector Construction, Inc ($137,308) lead. 18 Decatur employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Decatur?
By compensation reported by Decatur employers, the largest brokers are Labor First LLC ($433,826, 1 plans), Hylant ($177,641, 1 plans), Willis Towers Watson ($110,624, 2 plans). By medical premium, the largest carriers are Blue Cross and Blue Shield of Alabama, Bluecross Blueshield of Illinois, Health Alliance Medical Plans.
Are Decatur employer health plans self-funded or fully insured?
Of 18 Decatur employer plans, 6 are fully insured, 8 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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