Fall River, Massachusetts employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
16 employers in Fall River, Massachusetts filed health plans with 100 or more participants for plan year 2024, covering 5,525 participants. They reported $7.6M in insurance premiums and $1.2M in broker commissions and fees. Against 2023, premiums were up 30.5% and broker pay rose 16.7%.
Funding: 7 fully insured · 4 self-funded · 5 mixed. 9 of 16 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Fall River
Fall River employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Millstone Medical Outsourcing | $4,620,509 | $163,096 | 574 | Lockton |
| Ashworth Bros., Inc. | $3,026,260 | — | 154 | — |
| Blount Fine Foods | $0 | $98,189 | 1,162 | Boston Benefit Partners, an Alera |
| Prima Care, P.C. | $0 | $169,226 | 568 | Marsh McLennan Agency |
| Gold Medal Bakery, Inc. | $0 | $61,416 | 530 | The Hilb Group of New England |
| People, Incorporated | $0 | $75,893 | 461 | Blue Horizon Benefits |
| Stanley Street Treatment & Resource | $0 | $66,950 | 322 | Digital Benefit Advisors |
| Health First Family Care Center | $0 | $203,110 | 301 | Baystate Benefit Services, Inc |
| Greater Fall River Reg. Vocational | $0 | — | 295 | — |
| Matouk Textile Works, Inc. | $0 | $63,204 | 245 | Anthony F Cordeiro Insurance Agency |
| Citizens for Citizens, Inc. | $0 | $18,536 | 206 | Eastern Benefits Group |
| J. Karam Management, Inc. | $0 | $58,051 | 164 | Karam Corporate Benefit Consultants |
| Rhode Island Novelty | $0 | — | 142 | — |
| ST. Anne's Credit Union | $0 | $76,404 | 139 | Blue Benefit Administrators of Mass |
| D2g Group, LLC | $0 | $59,642 | 131 | Starkweather & Shepley Ins |
| Northeast Alternatives | $0 | $50,205 | 131 | Bennie Insurance, 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 Fall River employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Baystate Benefit Services | $173,956 | 1 |
| Marsh McLennan Agency | $169,226 | 1 |
| Boston Benefit Partners an Alera | $98,189 | 1 |
| Blue Benefit Administrators of Mass | $61,234 | 1 |
| Starkweather and Shepley Inc | $59,642 | 1 |
| Digital Benefit Advisors | $55,529 | 1 |
| Karam Corporate Benefit Consultants | $48,106 | 1 |
| Bennie Insurance, LLC | $44,351 | 1 |
| Anthony F Cordeiro Insurance Agency | $44,325 | 1 |
| Lockton | $37,795 | 1 |
Largest medical carriers
Medical premium written for these employers.
Fall River against Massachusetts 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.
| Fall River | Massachusetts | United States | |
|---|---|---|---|
| Employer plans | 16 | 1,864 | 58,547 |
| Median commission rate | n/a | 2.5% | 3.8% |
| Middle half of rates | n/a | 2.0% – 3.2% | 2.7% – 5.0% |
| Median broker pay per employer | $66,950 | $75,078 | $72,628 |
| Medical premium per covered person | n/a | $8,072 | $7,274 |
| Plans reporting no commission | 1 | 18 | 933 |
Year over year. In plan year 2023, 18 Fall River employers reported $5.9M in premiums and $997,107 in broker pay for 5,375 participants; in 2024 it was $7.6M and $1.2M for 5,525 participants (premiums +30.5%, broker pay +16.7%).
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 Fall River employers pay health insurance brokers?
16 Fall River employers reported $1,163,922 in broker commissions and fees on their 2024 Form 5500 filings, 13 of them disclosing at least some compensation. Too few fully insured medical plans in Fall River reported premium to compute a stable commission rate; the Massachusetts median is 2.5% and the U.S. median is 3.8%. In dollars, the median Fall River employer that disclosed broker pay reported $66,950.
Which Fall River employers have the largest health plans?
By insurance premium reported for 2024, Millstone Medical Outsourcing ($4.6M), Ashworth Bros., Inc. ($3.0M), Blount Fine Foods ($0) lead. 16 Fall River employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Fall River?
By compensation reported by Fall River employers, the largest brokers are Baystate Benefit Services ($173,956, 1 plans), Marsh McLennan Agency ($169,226, 1 plans), Boston Benefit Partners an Alera ($98,189, 1 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of Massachusetts, Inc., Aetna Life Insurance Company, Blue Cross Blue Shield.
Are Fall River employer health plans self-funded or fully insured?
Of 16 Fall River employer plans, 7 are fully insured, 4 are self-funded and 5 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 Massachusetts
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