Rockford, Illinois employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
41 employers in Rockford, Illinois filed health plans with 100 or more participants for plan year 2024, covering 25,170 participants. They reported $12M in insurance premiums and $3.7M in broker commissions and fees. Against 2023, premiums were up 2.6% and broker pay rose 25.5%.
Funding: 9 fully insured · 20 self-funded · 12 mixed. 32 of 41 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Rockford
Rockford employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Rosecrance Health Network | $6,957,598 | $53,575 | 770 | NFP |
| Estwing Manufacturing Co, Inc. | $2,510,572 | $26,422 | 152 | Coyle Kile Insurance Agency |
| Kelley Williamson Company | $1,433,755 | $84,761 | 118 | Coyle Kiley Insurance Agency, Inc |
| Rockford Toolcraft Inc | $334,915 | $137,798 | 361 | Spectrum Insurance Agency Inc |
| Milestone, Inc. | $195,190 | $38,296 | 369 | Coylekiley Insurance Agency, Inc. |
| Furst-Mcness Company | $176,951 | $28,579 | 296 | Hays Companies |
| The Board of Trustees of the Plumbers & Pipefitters Local 23 Ua H & W | $9,446 | — | 745 | — |
| Mercy Health Corporation | $0 | — | 3,835 | — |
| Swedishamerican Health System Corp | $0 | $352,531 | 3,477 | The Horton Group, Inc. |
| Andersonbrecon Inc. and Packaging Coordinators, LLC | $0 | $304,235 | 3,293 | Aon |
| Northern Illinois Welfare Fund | $0 | $44,602 | 2,076 | Incentisure, Inc |
| Construction Industry Welfare Fund of Rockford Illinois | $0 | $10,000 | 1,414 | The Segal Company (eastern States) |
| Orthomidwest PLLC | $0 | $245,161 | 1,160 | Cottingham and Butler |
| Rockford Firefighters Relief Association | $0 | — | 538 | — |
| Savant Capital, LLC | $0 | $304,091 | 506 | Lockton |
| Goellner, Inc. | $0 | $467,031 | 491 | First Benefits Group Inc |
| Trustees of Sheet Metal Worker Local 219 Employee Benefit Fund | $0 | — | 463 | — |
| Bergstrom, Inc. | $0 | $38,996 | 448 | Watchtower Technologies Inc |
| Crusader Community Health | $0 | $77,906 | 434 | Gallagher |
| Ingersoll Cutting Tool Company Inc | $0 | $53,128 | 390 | Mercer |
| Motor Parts & Equipment Corporation | $0 | $55,378 | 344 | Rockford Preferred Ins. SVCS. |
| Bill Doran Company, Inc | $0 | $20,478 | 268 | Forsite Benefit Partners |
| Ingersoll Machine Tools, Inc. | $0 | $109,086 | 263 | USI Insurance Services |
| Slidematic Precision Components, Inc. | $0 | $221,343 | 257 | Colleen M Roos |
| Goodwill Industries of Northern Illinois and Wisconsin Stateline Area | $0 | $64,094 | 224 | Coyle-Kiley Insurance Agency 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 Rockford employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| First Insurance Group LLC | $434,349 | 1 |
| Lockton | $303,976 | 1 |
| Cottingham & Butler | $281,848 | 3 |
| Gallagher | $257,267 | 4 |
| The Horton Group Inc. | $238,505 | 1 |
| Hilb Group of New England | $189,110 | 1 |
| Coyle-Kiley Insurance Agency Inc | $187,845 | 4 |
| Colleen M Roos | $174,514 | 1 |
| Aon | $172,191 | 1 |
| AssuredPartners | $149,903 | 4 |
Largest medical carriers
Medical premium written for these employers.
Rockford 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.
| Rockford | Illinois | United States | |
|---|---|---|---|
| Employer plans | 41 | 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 | $68,192 | $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, 39 Rockford employers reported $11M in premiums and $2.9M in broker pay for 23,059 participants; in 2024 it was $12M and $3.7M for 25,170 participants (premiums +2.6%, broker pay +25.5%).
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 Rockford employers pay health insurance brokers?
41 Rockford employers reported $3,688,180 in broker commissions and fees on their 2024 Form 5500 filings, 36 of them disclosing at least some compensation. Too few fully insured medical plans in Rockford 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 Rockford employer that disclosed broker pay reported $68,192.
Which Rockford employers have the largest health plans?
By insurance premium reported for 2024, Rosecrance Health Network ($7.0M), Estwing Manufacturing Co, Inc. ($2.5M), Kelley Williamson Company ($1.4M) lead. 25 Rockford employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Rockford?
By compensation reported by Rockford employers, the largest brokers are First Insurance Group LLC ($434,349, 1 plans), Lockton ($303,976, 1 plans), Cottingham & Butler ($281,848, 3 plans). By medical premium, the largest carriers are Bluecross Blueshield of Illinois, Unitedhealthcare Insurance Company, Quartz Health Benefit Plans Corporation.
Are Rockford employer health plans self-funded or fully insured?
Of 41 Rockford employer plans, 9 are fully insured, 20 are self-funded and 12 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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