Topeka, Kansas employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
33 employers in Topeka, Kansas filed health plans with 100 or more participants for plan year 2024, covering 34,524 participants. They reported $29M in insurance premiums and $3.2M in broker commissions and fees. Against 2023, premiums were up 19.0% and broker pay rose 10.3%.
Funding: 7 fully insured · 20 self-funded · 6 mixed. 26 of 33 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Topeka
Topeka employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Capitol Federal Savings Bank | $6,460,730 | $187,761 | 778 | Brown & Brown |
| Blue Cross and Blue Shield of Kansas, Inc. | $4,027,473 | — | 2,151 | — |
| Kansas Independent College Association | $3,235,985 | $12,240 | 1,240 | IMA Financial |
| Fuel True Independent Energy and Convenience Association | $2,657,719 | $24,706 | 513 | Tank Management Services |
| Family Service and Guidance Center of Topeka | $2,639,972 | $6,379 | 361 | The Brennan Agency, Inc. |
| Kansas Bankers Association | $2,064,378 | $5,879 | 10,432 | Kba Insurance Inc |
| Envista Credit Union | $1,755,789 | $16,135 | 223 | HUB International |
| Koss Construction Company | $1,221,645 | $27,338 | 160 | Lockton |
| Midland Care Connection Inc. | $1,082,181 | $28,001 | 419 | Brown & Brown |
| Jobs for America's Graduates | $996,002 | $46,661 | 128 | USI Insurance Services |
| Laird Noller Ford, Inc | $984,537 | $110,411 | 283 | Watko Benefit Group |
| Bartlett & West, Inc. | $760,519 | $18,251 | 313 | Watko Benefit Group |
| PTMW Inc. | $522,309 | $134,879 | 506 | Watko Benefits Group |
| Midwest Health, Inc. | $356,966 | $111,324 | 1,049 | Kansas Group Insurance Service |
| Polo Custom Products, Inc | $226,619 | $90,411 | 239 | — |
| HF Rubber Machinery, Inc | $76,021 | $18,124 | 108 | Alliant Insurance Services |
| Capper Foundation | $62,585 | $5,711 | 234 | IMA Financial |
| Stormont-Vail Healthcare Inc | $0 | $998,040 | 5,725 | Gallagher |
| Vitalcore Health Strategies, LLC | $0 | $458,488 | 1,933 | USI Insurance Services |
| Advisors Excel, LLC | $0 | $355,931 | 1,921 | Robert E. Miller Insurance Agency |
| Eldridge Wealth Solutions, Inc. | $0 | $180,984 | 1,559 | Lockton |
| Kansas Building Trades Open End Health and Welfare Trust Fund | $0 | — | 1,048 | — |
| Leadingage Kansas Employee Benefits, Inc. | $0 | — | 690 | — |
| Bettis Asphalt & Construction, Inc. | $0 | $63,527 | 455 | Watko Benefit Group |
| TM Holdings, Inc. | $0 | $14,439 | 363 | 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 Topeka employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Lockton | $659,200 | 3 |
| Gallagher | $535,694 | 2 |
| USI Insurance Services | $419,370 | 2 |
| Robert E. Miller Insurance Agency | $365,265 | 2 |
| Watko Benefit Group | $253,797 | 5 |
| Bukaty Companies | $221,347 | 4 |
| Brown & Brown | $142,378 | 4 |
| Hays Companies | $108,739 | 2 |
| Kansas Group Insurance Services Inc | $93,233 | 1 |
| Aflac | $43,708 | 1 |
Largest medical carriers
Medical premium written for these employers.
Topeka against Kansas 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.
| Topeka | Kansas | United States | |
|---|---|---|---|
| Employer plans | 33 | 588 | 58,547 |
| Median commission rate | n/a | 2.8% | 3.8% |
| Middle half of rates | n/a | 1.9% – 4.0% | 2.7% – 5.0% |
| Median broker pay per employer | $28,818 | $49,377 | $72,628 |
| Medical premium per covered person | n/a | $5,957 | $7,274 |
| Plans reporting no commission | 3 | 31 | 933 |
Year over year. In plan year 2023, 35 Topeka employers reported $24M in premiums and $2.9M in broker pay for 32,890 participants; in 2024 it was $29M and $3.2M for 34,524 participants (premiums +19.0%, broker pay +10.3%).
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 Topeka employers pay health insurance brokers?
33 Topeka employers reported $3,184,881 in broker commissions and fees on their 2024 Form 5500 filings, 29 of them disclosing at least some compensation. Too few fully insured medical plans in Topeka reported premium to compute a stable commission rate; the Kansas median is 2.8% and the U.S. median is 3.8%. In dollars, the median Topeka employer that disclosed broker pay reported $28,818.
Which Topeka employers have the largest health plans?
By insurance premium reported for 2024, Capitol Federal Savings Bank ($6.5M), Blue Cross and Blue Shield of Kansas, Inc. ($4.0M), Kansas Independent College Association ($3.2M) lead. 25 Topeka employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Topeka?
By compensation reported by Topeka employers, the largest brokers are Lockton ($659,200, 3 plans), Gallagher ($535,694, 2 plans), USI Insurance Services ($419,370, 2 plans). By medical premium, the largest carriers are Blue Cross and Blue Shield of Kansas, Four Ever Life Insurance Company, Aetna Life Insurance Company.
Are Topeka employer health plans self-funded or fully insured?
Of 33 Topeka employer plans, 7 are fully insured, 20 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 Kansas
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