Marlborough, Massachusetts employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
22 employers in Marlborough, Massachusetts filed health plans with 100 or more participants for plan year 2024, covering 51,798 participants. They reported $44M in insurance premiums and $4.5M in broker commissions and fees. Against 2023, premiums were up 15.7% and broker pay fell 13.4%.
Funding: 5 fully insured · 5 self-funded · 12 mixed. 17 of 22 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Marlborough
Marlborough employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Ken's Foods, Inc. | $22,922,264 | $697,972 | 1,515 | Jennifer A. Borislow Agency Inc |
| Exagrid Systems, Inc. | $5,779,289 | $114,930 | 254 | Gallagher |
| Optos Incorporated | $4,827,524 | $147,830 | 254 | RSC Insurance Brokerage |
| Communication Technology Services, LLC | $3,516,508 | $129,194 | 340 | Gallagher |
| Park Place International LLC dba Cloudwave | $2,769,608 | $75,292 | 160 | Innovo Benefits Group |
| Atlas Travel and Technology Group, Inc. | $2,528,582 | $73,933 | 207 | Gallagher |
| Family Orthodontics & New England Family Dentistry, PC | $1,661,193 | $83,346 | 139 | Comprehensive Insurance Providers |
| Sumitomo Pharma America, Inc. | $419,565 | $225,112 | 1,671 | Willis Towers Watson |
| Boston Scientific Corporation | $32,031 | $1,332,703 | 20,580 | Strategic Non-Medical Solutions LLC |
| BJ'S Wholesale Club, Inc. | $0 | $166,324 | 18,050 | Brown & Brown |
| Hologic, Inc. | $0 | $398,221 | 4,100 | Mercer |
| Digital Federal Credit Union | $0 | $449,902 | 1,798 | Brown & Brown |
| Wind River Environmental | $0 | $4,136 | 1,027 | Gallagher |
| Web Industries, Inc. | $0 | $51,010 | 381 | USI Insurance Services |
| Akoya Biosciences, Inc. | $0 | $47,875 | 284 | EPIC Insurance Brokers |
| BTL Industries, Inc. | $0 | $132,150 | 230 | Cross Insurance |
| Platinum Fire Protection & Services, LLC | $0 | $65,368 | 169 | Marsh McLennan Agency |
| Avania US Group LLC | $0 | $67,881 | 155 | Innovo Benefits Group |
| Solmetex, LLC | $0 | $18,914 | 135 | Donald Gaskell |
| ST. Mary's Credit Union | $0 | $56,785 | 128 | Comprehensive Benefit Administrator |
| Oneshield, Inc | $0 | $90,856 | 112 | Marsh McLennan Agency |
| Boston Document Systems, Inc. | $0 | $27,336 | 109 | Cross Benefit Solutions |
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 Marlborough employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Strategic Non-Medical Solution | $823,708 | 1 |
| Jennifer A. Borislow Agency Inc | $697,972 | 1 |
| Brown & Brown | $500,636 | 2 |
| Custom Benefit Programs Inc | $452,740 | 1 |
| Mercer | $398,221 | 1 |
| Gallagher | $278,100 | 4 |
| Willis Towers Watson | $225,112 | 1 |
| Innovo Benefits Group | $140,884 | 2 |
| Marsh McLennan Agency | $139,524 | 2 |
| Cross Insurance | $132,545 | 2 |
Largest medical carriers
Medical premium written for these employers.
Marlborough 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.
| Marlborough | Massachusetts | United States | |
|---|---|---|---|
| Employer plans | 22 | 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 | $87,101 | $75,078 | $72,628 |
| Medical premium per covered person | n/a | $8,072 | $7,274 |
| Plans reporting no commission | 0 | 18 | 933 |
Year over year. In plan year 2023, 21 Marlborough employers reported $38M in premiums and $5.1M in broker pay for 51,107 participants; in 2024 it was $44M and $4.5M for 51,798 participants (premiums +15.7%, broker pay −13.4%).
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 Marlborough employers pay health insurance brokers?
22 Marlborough employers reported $4,457,070 in broker commissions and fees on their 2024 Form 5500 filings, 22 of them disclosing at least some compensation. Too few fully insured medical plans in Marlborough 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 Marlborough employer that disclosed broker pay reported $87,101.
Which Marlborough employers have the largest health plans?
By insurance premium reported for 2024, Ken's Foods, Inc. ($23M), Exagrid Systems, Inc. ($5.8M), Optos Incorporated ($4.8M) lead. 22 Marlborough employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Marlborough?
By compensation reported by Marlborough employers, the largest brokers are Strategic Non-Medical Solution ($823,708, 1 plans), Jennifer A. Borislow Agency Inc ($697,972, 1 plans), Brown & Brown ($500,636, 2 plans). By medical premium, the largest carriers are Cigna Health and Life Insurance Company, Blue Cross Blue Shield of Massachusetts, Inc., Unitedhealthcare Insurance Company.
Are Marlborough employer health plans self-funded or fully insured?
Of 22 Marlborough employer plans, 5 are fully insured, 5 are self-funded and 12 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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