Elkhart, Indiana employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
34 employers in Elkhart, Indiana filed health plans with 100 or more participants for plan year 2024, covering 60,286 participants. They reported $24M in insurance premiums and $5.7M in broker commissions and fees. Against 2023, premiums were down 3.2% and broker pay fell 7.0%.
Funding: 5 fully insured · 21 self-funded · 8 mixed. 29 of 34 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Elkhart
Elkhart employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Lippert Components Inc. | $12,079,902 | $1,178,115 | 13,059 | Hylant |
| Thor Industries, Inc. | $5,073,869 | $1,369,797 | 11,772 | Cottingham and Butler |
| Dynamic Industrial Group, Inc. | $3,842,976 | $153,722 | 340 | Jonathan M Pope |
| Conn-Selmer, Inc. | $1,502,006 | $62,663 | 424 | Custom Benefit Programs Inc. |
| Dexter Axle Company | $1,121,082 | $101,305 | 2,864 | Alliant Insurance Services |
| American Technology Components, Inc. | $265,936 | $75,873 | 149 | Gallagher |
| Dimensional Foam Products, LLC | $209,975 | $71,068 | 188 | Gibson Insurance Agency, Inc. |
| Mid-City Supply Co., Inc. | $66,304 | $19,291 | 142 | The Horton Group |
| Forest River, Inc. | $0 | $997,601 | 10,500 | Gibson Insurance Agency, Inc. |
| Patrick Industries, Inc. | $0 | $261,566 | 10,154 | Gibson Insurance Agency, Inc. |
| Dometic Corporation | $0 | $370,043 | 1,931 | Gibson Insurance Agency, Inc. |
| Nibco Inc. | $0 | $32,927 | 1,301 | Willis Towers Watson |
| Welch Packaging Group, Inc. | $0 | $98,611 | 1,143 | Gibson Insurance Agency |
| Pontoon Boat, LLC | $0 | $30,851 | 764 | First Person Inc |
| Mor/Ryde International, Inc. | $0 | $58,244 | 675 | Gibson Insurance Agency, Inc. |
| Highwater Marine, LLC | $0 | $34,670 | 638 | First Person Inc |
| Genesis Products, LLC | $0 | $136,572 | 588 | Gibson Insurance Agency, Inc. |
| Alliance RV, LLC | $0 | $56,387 | 476 | Marsh McLennan Agency |
| Great Lakes Forest Products, Inc. | $0 | $24,973 | 392 | The Horton Group Inc. |
| Itr Concession Company LLC | $0 | $50,577 | 297 | Gibson Insurance |
| Elkhart Clinic Care Center, LLC | $0 | $62,934 | 294 | Shamrock Insurance Group |
| Orthopedic & Sports Medicine Center | $0 | $47,293 | 266 | Mgis |
| Postle Aluminum Company | $0 | $25,303 | 262 | Cottingham and Butler |
| Hull Lift Truck, Inc. | $0 | $38,357 | 192 | Gibson Insurance Agency, Inc. |
| R.A.S. Logistics | $0 | $80,567 | 181 | The Horton Group, 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 Elkhart employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Gibson Insurance Agency, Inc. | $1,680,720 | 13 |
| Cottingham & Butler | $716,684 | 2 |
| Benefit Communications Inc | $447,655 | 1 |
| Hylant | $421,064 | 1 |
| Stealth Partner Group LLC | $305,294 | 1 |
| James R Nelligan & Associates LLC | $251,435 | 5 |
| Benefit Educators, LLC | $185,753 | 2 |
| Steele Insurance & Financials S | $176,216 | 1 |
| Eoi Service Company, Inc. | $130,872 | 1 |
| The Horton Group Inc. | $124,069 | 7 |
Largest medical carriers
Medical premium written for these employers.
Elkhart against Indiana 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.
| Elkhart | Indiana | United States | |
|---|---|---|---|
| Employer plans | 34 | 1,155 | 58,547 |
| Median commission rate | n/a | 4.9% | 3.8% |
| Middle half of rates | n/a | 3.0% – 8.6% | 2.7% – 5.0% |
| Median broker pay per employer | $57,316 | $48,384 | $72,628 |
| Medical premium per covered person | n/a | n/a | $7,274 |
| Plans reporting no commission | 1 | 6 | 933 |
Year over year. In plan year 2023, 37 Elkhart employers reported $25M in premiums and $6.1M in broker pay for 65,876 participants; in 2024 it was $24M and $5.7M for 60,286 participants (premiums −3.2%, broker pay −7.0%).
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 Elkhart employers pay health insurance brokers?
34 Elkhart employers reported $5,706,032 in broker commissions and fees on their 2024 Form 5500 filings, 34 of them disclosing at least some compensation. Too few fully insured medical plans in Elkhart reported premium to compute a stable commission rate; the Indiana median is 4.9% and the U.S. median is 3.8%. In dollars, the median Elkhart employer that disclosed broker pay reported $57,316.
Which Elkhart employers have the largest health plans?
By insurance premium reported for 2024, Lippert Components Inc. ($12M), Thor Industries, Inc. ($5.1M), Dynamic Industrial Group, Inc. ($3.8M) lead. 25 Elkhart employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Elkhart?
By compensation reported by Elkhart employers, the largest brokers are Gibson Insurance Agency, Inc. ($1.7M, 13 plans), Cottingham & Butler ($716,684, 2 plans), Benefit Communications Inc ($447,655, 1 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of Michigan, Medical Mutual, Sirius American Insurance Co.
Are Elkhart employer health plans self-funded or fully insured?
Of 34 Elkhart employer plans, 5 are fully insured, 21 are self-funded and 8 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 Indiana
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