Naperville, Illinois employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
38 employers in Naperville, Illinois filed health plans with 100 or more participants for plan year 2024, covering 23,455 participants. They reported $14M in insurance premiums and $4.8M in broker commissions and fees. Against 2023, premiums were down 14.6% and broker pay rose 24.6%.
Funding: 13 fully insured · 8 self-funded · 17 mixed. 25 of 38 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Naperville
Naperville employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Sikich LLP | $13,494,456 | $369,369 | 1,448 | Willis Towers Watson |
| Alloya Corporate Federal Credit Union | $179,879 | $145,751 | 188 | Stumm Insurance LLC |
| Kehe Distributors, Inc. | $0 | $671,741 | 6,029 | Custom Benefit Programs |
| Multiplan, Inc. | $0 | — | 2,184 | — |
| Charter Senior Living, LLC | $0 | $531,745 | 1,634 | Triangle Benefits Inc. |
| Upm-Kymmene, Inc. | $0 | $34,330 | 1,173 | Aon |
| Impact Advisors, LLC | $0 | $266,538 | 1,005 | Ashe Benefits Group LTD |
| Westfield Distributing North Dakota Inc. | $0 | $188,716 | 994 | USI Insurance Services |
| Cultivate Administrative Services | $0 | $5,748 | 807 | Marsh McLennan Agency |
| Butterfield Health Care Group, Inc. | $0 | $183,780 | 734 | Great Oak Insurance Agency LLC |
| American Water Resources, LLC | $0 | $91,067 | 510 | Marsh McLennan Agency |
| North Central College | $0 | $95,019 | 510 | CBIZ |
| Wilton Industries Inc. | $0 | $6,206 | 509 | Willis Towers Watson |
| Inproduction | $0 | $149,276 | 503 | Marsh McLennan Agency |
| Phoenix Closures, Inc. | $0 | $9,775 | 482 | USI Insurance Services |
| Calamos Investments | $0 | $65,782 | 386 | HUB International |
| Transitions Intermediate Holdings | $0 | $22,144 | 377 | Alliant Insurance Services |
| CCS Contractor Equipment & Supply, LLC | $0 | $212,216 | 354 | Alliant Insurance Services |
| Diversified Services Network, Inc. | $0 | $59,908 | 325 | RSC Insurance Brokerage Inc |
| Marquette Management, Inc. | $0 | $12,949 | 260 | AssuredPartners |
| Chervon North America, Inc. | $0 | $217,958 | 246 | USI Insurance Services |
| Bill Jacobs Motorsport Holdings, Inc. | $0 | $11,331 | 237 | AssuredPartners |
| Monarch Landing Opco (sl-Vii), LLC. | $0 | $107,625 | 210 | Orma Rinehart Smith |
| Harvest Food Group, LLC | $0 | $91,469 | 209 | CFM Insurance Agency, Inc. |
| Illinois Health and Hospital Association | $0 | $82,521 | 204 | The Plexus Groupe LLC |
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 Naperville employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| USI Insurance Services | $562,891 | 6 |
| Custom Benefit Programs Inc | $558,924 | 1 |
| Triangle Insurance & Associates | $392,490 | 1 |
| Stumm Insurance LLC | $344,871 | 2 |
| Alliant Insurance Services | $328,963 | 3 |
| Ashe Benefits Group LTD | $266,538 | 1 |
| Marsh McLennan Agency | $258,106 | 4 |
| Great Oak Insurance Agency LLC | $183,780 | 1 |
| RSC Insurance Brokerage, Inc. | $168,075 | 3 |
| Maurice P Andrien | $139,255 | 1 |
Largest medical carriers
Medical premium written for these employers.
Naperville 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.
| Naperville | Illinois | United States | |
|---|---|---|---|
| Employer plans | 38 | 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 | $95,019 | $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, 38 Naperville employers reported $16M in premiums and $3.9M in broker pay for 20,849 participants; in 2024 it was $14M and $4.8M for 23,455 participants (premiums −14.6%, broker pay +24.6%).
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 Naperville employers pay health insurance brokers?
38 Naperville employers reported $4,815,622 in broker commissions and fees on their 2024 Form 5500 filings, 37 of them disclosing at least some compensation. Too few fully insured medical plans in Naperville 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 Naperville employer that disclosed broker pay reported $95,019.
Which Naperville employers have the largest health plans?
By insurance premium reported for 2024, Sikich LLP ($13M), Alloya Corporate Federal Credit Union ($179,879), Kehe Distributors, Inc. ($0) lead. 25 Naperville employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Naperville?
By compensation reported by Naperville employers, the largest brokers are USI Insurance Services ($562,891, 6 plans), Custom Benefit Programs Inc ($558,924, 1 plans), Triangle Insurance & Associates ($392,490, 1 plans). By medical premium, the largest carriers are Bluecross Blueshield of Illinois, Unitedhealthcare Insurance Company, Aetna Life Insurance Company.
Are Naperville employer health plans self-funded or fully insured?
Of 38 Naperville employer plans, 13 are fully insured, 8 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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