Worcester, Massachusetts employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
41 employers in Worcester, Massachusetts filed health plans with 100 or more participants for plan year 2024, covering 38,899 participants. They reported $31M in insurance premiums and $4.7M in broker commissions and fees. Against 2023, premiums were up 2.3% and broker pay rose 11.3%.
Funding: 9 fully insured · 10 self-funded · 22 mixed. 32 of 41 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Worcester
Worcester employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Open SKY Community Services | $8,709,598 | $315,630 | 906 | HP Planning LLC dba Alera Northeast |
| Vna Care Network Foundation and Subsidiaries | $7,233,058 | $174,711 | 605 | Marsh McLennan Agency |
| David Clark Company Incorporated | $4,128,964 | $105,388 | 234 | Kenneth M. Lefebvre |
| Masis Staffing Solutions | $2,483,596 | $74,733 | 319 | NFP |
| Greenwood Industries, Inc. | $2,241,242 | $59,263 | 144 | Amr Benefits Management, LLC |
| Community Legal Aid, Inc. | $2,106,212 | $82,456 | 150 | Cross Insurance |
| Veterans Inc. | $1,654,821 | $58,605 | 160 | Small Business Insurance Agency |
| Seven Hills Foundation, Inc. | $1,206,516 | $574,234 | 2,485 | RSC Ins Bkge dba Risk Stratagies Co |
| Trustees of Clark University | $397,703 | $91,423 | 730 | RSC Insurance Brokerage Inc |
| Jewish Healthcare Center, Inc. | $157,755 | $65,423 | 391 | IMA Financial |
| Webster First Federal Credit Union | $143,751 | $54,362 | 194 | Webfirst Insurance LLC |
| Biomedical Research Models, Inc. | $122,186 | $72,971 | 164 | Marsh McLennan Agency |
| Cabi - Center for Applied Behavioral Instruction | $93,376 | $15,504 | 137 | Hilb Group of New England |
| Nouria Energy Corporation | $73,461 | $6,659 | 731 | Boston Benefit Partners an Alera |
| Lutco, Inc. | $69,178 | $67,563 | 121 | OneDigital |
| Notre Dame Health Care Center, Inc. | $15,771 | $40,263 | 261 | Various Brokers (list Attached) |
| Worcester Academy | $12,483 | $13,105 | 142 | Jennifer A. Borislow Ins Agency Inc |
| Umass Memorial Health Care, Inc. | $0 | $565,647 | 14,591 | Aon |
| The Hanover Insurance Company | $0 | $623,993 | 4,878 | Lockton |
| Polar Corp. | $0 | $59,721 | 1,807 | Donald C. Savoy, Inc. |
| Worcester Polytechnic Institute | $0 | $179,634 | 1,766 | Brown & Brown |
| Teamsters Local 170 Health and Welfare Fund | $0 | $44,408 | 1,291 | Girard Financial Group LLC |
| Fallon Community Health Plan | $0 | $141,759 | 1,206 | Marsh McLennan Agency |
| Trustees of the College of the Holy Cross | $0 | $36,290 | 1,125 | Brown & Brown |
| Bright Planet Solar, Inc. | $0 | $47,756 | 584 | Gallagher |
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 Worcester employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Aon | $565,755 | 2 |
| RSC Ins Bkge dba Risk Stratagies | $532,524 | 4 |
| RSC Insurance Brokerage, Inc. | $466,637 | 11 |
| Brown & Brown | $392,775 | 5 |
| Marsh McLennan Agency | $382,227 | 5 |
| Lockton | $349,211 | 1 |
| HP Planning LLC dba Alera Northeast | $244,690 | 1 |
| Risk Strategies Company | $210,299 | 3 |
| NFP | $150,190 | 3 |
| Cross Insurance | $117,471 | 2 |
Largest medical carriers
Medical premium written for these employers.
Worcester 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.
| Worcester | Massachusetts | United States | |
|---|---|---|---|
| Employer plans | 41 | 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 | $68,525 | $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, 40 Worcester employers reported $30M in premiums and $4.2M in broker pay for 32,476 participants; in 2024 it was $31M and $4.7M for 38,899 participants (premiums +2.3%, broker pay +11.3%).
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 Worcester employers pay health insurance brokers?
41 Worcester employers reported $4,706,275 in broker commissions and fees on their 2024 Form 5500 filings, 40 of them disclosing at least some compensation. Too few fully insured medical plans in Worcester 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 Worcester employer that disclosed broker pay reported $68,525.
Which Worcester employers have the largest health plans?
By insurance premium reported for 2024, Open SKY Community Services ($8.7M), Vna Care Network Foundation and Subsidiaries ($7.2M), David Clark Company Incorporated ($4.1M) lead. 25 Worcester employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Worcester?
By compensation reported by Worcester employers, the largest brokers are Aon ($565,755, 2 plans), RSC Ins Bkge dba Risk Stratagies ($532,524, 4 plans), RSC Insurance Brokerage, Inc. ($466,637, 11 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of Massachusetts, Inc., Mass General Brigham Health Plan, Kaiser Foundation Health Plan of Georgia, Inc..
Are Worcester employer health plans self-funded or fully insured?
Of 41 Worcester employer plans, 9 are fully insured, 10 are self-funded and 22 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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