Framingham, Massachusetts employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
28 employers in Framingham, Massachusetts filed health plans with 100 or more participants for plan year 2024, covering 331,072 participants. They reported $46M in insurance premiums and $5.6M in broker commissions and fees. The median broker rate on commission-paying, fully insured medical plans was 2.5% of premium, against 2.5% across Massachusetts and 3.8% nationally. Against 2023, premiums were up 46.2% and broker pay rose 10.0%.
Funding: 6 fully insured · 5 self-funded · 17 mixed. 22 of 28 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Framingham
Framingham employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Re Build Manufacturing, LLC | $10,021,750 | $298,767 | 848 | USI Insurance Services |
| Globoforce, Inc. | $6,844,197 | $184,464 | 510 | OneDigital |
| Wayside Youth and Family Support Network | $6,041,126 | $135,314 | 398 | USI Insurance Services |
| Applause App Quality, Inc. | $4,139,075 | $115,870 | 304 | Patriot Growth |
| Healthdrive Corp | $3,990,680 | $159,060 | 420 | GCG Financial, LLC |
| Douglas a Thom Clinic, Inc. dba Thom Child and Family Services | $3,692,341 | $120,936 | 576 | Brown & Brown |
| LFB USA, Inc. | $3,294,942 | $124,224 | 211 | OneDigital |
| Carney Management Company, Inc | $2,532,545 | $86,481 | 178 | Marsh McLennan Agency |
| Variantyx, Inc. | $1,994,304 | $68,240 | 131 | Gallagher |
| Alira Health Boston, LLC | $1,586,499 | $62,409 | 134 | Sentinel Insurance Agency |
| CCL Industries Corporation | $742,283 | $443,208 | 4,589 | Hilb Group of New England |
| Advocates, Inc. | $578,672 | $394,832 | 1,612 | Gallagher |
| Definitive Healthcare, LLC | $349,655 | $24,778 | 670 | The Hilb Group of New England LLC |
| South Middlesex Opportunity Council | $259,990 | $139,539 | 639 | Hilb Group of New England |
| The TJX Companies, Inc. | $201,237 | $1,571,063 | 284,993 | Strategic Non-Medical Solutions LLC |
| Mary Ann Morse Healthcare Corp. | $91,328 | $93,897 | 174 | NFP |
| PR Management Corporation | $25,389 | $28,847 | 259 | Lockton |
| The Portland Group, Inc. | $14,953 | $80,004 | 230 | USI Insurance Services |
| Usr Parent Inc. | $0 | $288,812 | 16,744 | Willis Towers Watson |
| Staples Inc | $0 | $423,169 | 11,997 | Willis Towers Watson |
| Ameresco, Inc. | $0 | $121,681 | 1,480 | Gallagher |
| Bose Corporation | $0 | $197,293 | 1,470 | Willis Towers Watson |
| DPS Group, Inc. | $0 | $49,819 | 1,199 | Cross Insurance |
| Charles River Medical Associates, P.C. | $0 | $150,342 | 367 | Jennifer A. Borislow Ins Agcy |
| Tribute Home Care | $0 | $43,246 | 309 | IMA Financial |
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 Framingham employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Strategic Non-Medical Solution | $983,694 | 2 |
| Willis Towers Watson | $638,488 | 4 |
| Gallagher | $540,654 | 3 |
| Hilb Group of New England | $529,554 | 3 |
| USI Insurance Services | $487,164 | 4 |
| Brown & Brown | $486,428 | 2 |
| OneDigital | $457,620 | 3 |
| Mercer | $329,544 | 3 |
| Indigo Insurance Services | $132,644 | 6 |
| Jennifer A. Borislow Ins Agcy | $118,271 | 1 |
Largest medical carriers
Medical premium written for these employers.
Framingham 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.
| Framingham | Massachusetts | United States | |
|---|---|---|---|
| Employer plans | 28 | 1,864 | 58,547 |
| Median commission rate | 2.5% (10 plans) | 2.5% | 3.8% |
| Middle half of rates | 2.1% – 2.7% | 2.0% – 3.2% | 2.7% – 5.0% |
| Median broker pay per employer | $124,224 | $75,078 | $72,628 |
| Medical premium per covered person | $6,853 | $8,072 | $7,274 |
| Plans reporting no commission | 0 | 18 | 933 |
Year over year. In plan year 2023, 29 Framingham employers reported $32M in premiums and $5.1M in broker pay for 310,541 participants; in 2024 it was $46M and $5.6M for 331,072 participants (premiums +46.2%, broker pay +10.0%).
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 Framingham employers pay health insurance brokers?
28 Framingham employers reported $5,586,163 in broker commissions and fees on their 2024 Form 5500 filings, 27 of them disclosing at least some compensation. Among 10 commission-paying, fully insured medical plans, the median broker rate was 2.5% of premium, 0.0 points above the Massachusetts median of 2.5% and 1.2 points below the U.S. median of 3.8%. In dollars, the median Framingham employer that disclosed broker pay reported $124,224.
Which Framingham employers have the largest health plans?
By insurance premium reported for 2024, Re Build Manufacturing, LLC ($10M), Globoforce, Inc. ($6.8M), Wayside Youth and Family Support Network ($6.0M) lead. 25 Framingham employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Framingham?
By compensation reported by Framingham employers, the largest brokers are Strategic Non-Medical Solution ($983,694, 2 plans), Willis Towers Watson ($638,488, 4 plans), Gallagher ($540,654, 3 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of Massachusetts, Inc., MCS Life Insurance Company, Kaiser Foundation Health Plan, Inc..
Are Framingham employer health plans self-funded or fully insured?
Of 28 Framingham employer plans, 6 are fully insured, 5 are self-funded and 17 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
Is your company on this page? Get its Form 5500 read next to the Framingham, Massachusetts medians.
Tell us the company and a specialist writes up what the public Form 5500 record shows for it, if it files one: broker pay against the medians above, fee disclosure and filing timeliness, in a form you can forward to your CFO or counsel. Tick the box if you also want a 15-minute walkthrough call.
We don't sell your email. By submitting, you agree that BenefitsLedger and its benefits advisory partner, WellthCare, may email or call you about these findings. Opt out anytime by replying. See our privacy policy.