Downers Grove, Illinois employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
46 employers in Downers Grove, Illinois filed health plans with 100 or more participants for plan year 2024, covering 85,656 participants. They reported $22M in insurance premiums and $8.8M in broker commissions and fees. Against 2023, premiums were up 65.8% and broker pay fell 7.3%.
Funding: 9 fully insured · 20 self-funded · 17 mixed. 37 of 46 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Downers Grove
Downers Grove employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
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 Downers Grove employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Lockton | $1,338,805 | 11 |
| Mercer | $1,225,234 | 5 |
| Gallagher | $819,648 | 4 |
| The Plexus Groupe LLC | $674,240 | 2 |
| Alliant Insurance Services | $572,105 | 2 |
| Rockwell & Associates LTD | $416,092 | 1 |
| Aon | $352,990 | 3 |
| NFP | $285,090 | 2 |
| HUB International | $261,361 | 4 |
| Marsh McLennan Agency | $233,807 | 7 |
Largest medical carriers
Medical premium written for these employers.
Downers Grove 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.
| Downers Grove | Illinois | United States | |
|---|---|---|---|
| Employer plans | 46 | 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 | $117,474 | $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, 44 Downers Grove employers reported $13M in premiums and $9.5M in broker pay for 79,748 participants; in 2024 it was $22M and $8.8M for 85,656 participants (premiums +65.8%, broker pay −7.3%).
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 Downers Grove employers pay health insurance brokers?
46 Downers Grove employers reported $8,760,392 in broker commissions and fees on their 2024 Form 5500 filings, 40 of them disclosing at least some compensation. Too few fully insured medical plans in Downers Grove 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 Downers Grove employer that disclosed broker pay reported $117,474.
Which Downers Grove employers have the largest health plans?
By insurance premium reported for 2024, Roadrunner Transportation Services, Inc. ($8.5M), Univar Solutions ($5.8M), Bluegrass Natural Resources, LLC ($4.0M) lead. 25 Downers Grove employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Downers Grove?
By compensation reported by Downers Grove employers, the largest brokers are Lockton ($1.3M, 11 plans), Mercer ($1.2M, 5 plans), Gallagher ($819,648, 4 plans). By medical premium, the largest carriers are Bluecross Blueshield of Illinois, Bluecross Blueshield of Tennessee, Inc., Cigna Health and Life Insurance Company.
Are Downers Grove employer health plans self-funded or fully insured?
Of 46 Downers Grove employer plans, 9 are fully insured, 20 are self-funded and 17 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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