St. Charles, Illinois employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
19 employers in St. Charles, Illinois filed health plans with 100 or more participants for plan year 2024, covering 4,512 participants. They reported $100,557 in insurance premiums and $1.5M in broker commissions and fees. Against 2023, premiums were down 2.9% and broker pay rose 25.6%.
Funding: 8 fully insured · 5 self-funded · 6 mixed. 11 of 19 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in St. Charles
St. Charles employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| RH Wine & Co Inc | $100,557 | — | 121 | — |
| Rukel Management | $0 | $42,986 | 962 | AssuredPartners |
| Capital Fitness, Inc. | $0 | $46,006 | 425 | Connor & Gallagher Benefits Servi |
| Rensa Filtration, Inc. | $0 | $260,575 | 411 | Willis Towers Watson |
| Parent Petroleum, Inc. | $0 | $124,218 | 373 | Keystone Insurance & Benefits Group |
| Perfect Plastic Printing Corporation | $0 | $117,730 | 307 | Acrisure |
| Osg USA, Inc. | $0 | $34,406 | 268 | Hays Companies |
| Cartoncraft, Inc. | $0 | $69,588 | 201 | Ds&P Insurnace Services Inc. |
| Dukane Ias, LLC | $0 | $40,553 | 198 | Financial Service Managers, in |
| United Laboratories, Inc. | $0 | $111,056 | 181 | Mesirow Insurance Services, Inc. |
| Clarke Environmental Mosquito Management, Inc. | $0 | $12,854 | 151 | Marsh McLennan Agency |
| Q Center LLC | $0 | $85,852 | 134 | Marsh McLennan Agency |
| Doctors Data, Inc. | $0 | $68,575 | 128 | Michael a Smith |
| Awana Clubs International | $0 | $102,648 | 122 | Lockton |
| Tiger Drylac U.S.A, Inc. | $0 | $80,401 | 115 | USI Insurance Services |
| Wise Plastics Technologies, Inc. | $0 | $144,030 | 114 | AssuredPartners |
| Microplastics, Inc. | $0 | $70,589 | 101 | USI Insurance Services |
| Tek Pak, Inc. | $0 | $43,289 | 100 | OneDigital |
| Bukas Lighting Group Inc | $0 | $71,517 | 100 | Acrisure |
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 St. Charles employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Willis Towers Watson | $260,575 | 1 |
| Acrisure | $180,701 | 2 |
| AssuredPartners | $159,747 | 2 |
| USI Insurance Services | $130,294 | 2 |
| Mesirow Insurance Services Inc | $111,056 | 1 |
| Lockton | $102,648 | 1 |
| Marsh McLennan Agency | $89,561 | 2 |
| Keystone Insurance & Benefits Group | $88,906 | 1 |
| Michael a Smith | $52,984 | 1 |
| Connor & Gallagher Benefits Service | $46,006 | 1 |
Largest medical carriers
Medical premium written for these employers.
St. Charles 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.
| St. Charles | Illinois | United States | |
|---|---|---|---|
| Employer plans | 19 | 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 | $71,053 | $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, 17 St. Charles employers reported $103,542 in premiums and $1.2M in broker pay for 3,768 participants; in 2024 it was $100,557 and $1.5M for 4,512 participants (premiums −2.9%, broker pay +25.6%).
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 St. Charles employers pay health insurance brokers?
19 St. Charles employers reported $1,526,873 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 St. Charles 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 St. Charles employer that disclosed broker pay reported $71,053.
Which St. Charles employers have the largest health plans?
By insurance premium reported for 2024, RH Wine & Co Inc ($100,557), Rukel Management ($0), Capital Fitness, Inc. ($0) lead. 19 St. Charles employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in St. Charles?
By compensation reported by St. Charles employers, the largest brokers are Willis Towers Watson ($260,575, 1 plans), Acrisure ($180,701, 2 plans), AssuredPartners ($159,747, 2 plans). By medical premium, the largest carriers are Cigna Health and Life Insurance Company, Bluecross Blueshield of Illinois, Metropolitan Life Insurance Company.
Are St. Charles employer health plans self-funded or fully insured?
Of 19 St. Charles employer plans, 8 are fully insured, 5 are self-funded and 6 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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