Annapolis, Maryland employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
32 employers in Annapolis, Maryland filed health plans with 100 or more participants for plan year 2024, covering 12,427 participants. They reported $0 in insurance premiums and $3.1M in broker commissions and fees. Against 2023, premiums were unchanged and broker pay rose 40.1%.
Funding: 9 fully insured · 11 self-funded · 12 mixed. 23 of 32 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Annapolis
Annapolis employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Luminis Health, Inc. | $0 | $537,542 | 5,001 | Lockton |
| Vision Innovation Partners | $0 | $37,752 | 1,133 | Lockton |
| Crisis24, Inc. | $0 | $236,208 | 624 | USI Insurance Services |
| Pain Management Solutions, LLC. | $0 | $123,108 | 560 | The Hilb Group of Maryland |
| Cda Inc dba Maxsent | $0 | $63,906 | 395 | Fce Benefit Administrators, Inc |
| ST. John's College | $0 | $8,319 | 331 | Ap Benefit Advisors LLC dba Eone |
| Habitat America, LLC | $0 | $100,135 | 330 | Silberstein Insurnace Group, LLC. |
| Smartlink, LLC | $0 | $35,053 | 297 | Kelly & Associates Insurance Group |
| Severn Management Company, LLC | $0 | $106,034 | 293 | Kelly Insurance & Investment |
| Ua of Journeymen & Apprentices of the Plumbing & Pipe Fitting Industry | $0 | — | 257 | — |
| Altruix | $0 | $105,759 | 240 | RSC Insurance Brokerage Inc. |
| The Naval Academy Athletic Association | $0 | $114,743 | 207 | Marsh McLennan Agency |
| Chesapeake Bay Foundation, Inc. | $0 | $123,184 | 196 | Silberstein Insurance Group, LLC. |
| Hannon Armstrong Capital LLC | $0 | $119,287 | 181 | OneDigital |
| Innovative Learning, Inc T/A the Harbour School | $0 | $139,804 | 173 | Comprehensive Benefits Planning Inc |
| Annapolis Life Care, dba Ginger Cove | $0 | $18,133 | 170 | Allegeant LLC |
| Katcef Brothers, Inc. | $0 | $49,313 | 165 | Hilb Group of Maryland |
| R&S Holdings, Inc. | $0 | $84,258 | 164 | L3 Advisory, LLC |
| Realterm US, Inc. | $0 | $31,122 | 162 | CBIZ |
| Reefpoint Group LLC | $0 | $90,176 | 149 | Kelly & Associates Ins Group Inc |
| Annapolis Subaru, Inc. dba Annapolis Subaru | $0 | $86,777 | 139 | Marsh McLennan Agency |
| Brightkey, Inc. | $0 | $179,827 | 126 | The Baldwin Group |
| Laser Asset Inc. | $0 | $24,069 | 125 | Kelly & Associates Insurance Group |
| Significance, Inc | $0 | $95,764 | 125 | Potomac Basin Group Assoc LLC |
| Corporate Brokers, LLC dba Tential | $0 | $94,423 | 122 | Insurance Force, Inc. |
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 Annapolis employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Lockton | $532,790 | 2 |
| USI Insurance Services | $236,208 | 1 |
| Marsh McLennan Agency | $190,708 | 3 |
| OneDigital | $155,910 | 2 |
| The Hilb Group of Maryland LLC | $143,345 | 3 |
| Kelly & Associates Insurance Group | $124,242 | 6 |
| The Baldwin Group | $114,824 | 2 |
| Silberstein Insurance Group, LLC | $108,508 | 1 |
| Silberstein Insurnace Group, LLC. | $98,450 | 1 |
| Comprehensive Benefits Planning Inc | $97,584 | 1 |
Largest medical carriers
Medical premium written for these employers.
Annapolis against Maryland 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.
| Annapolis | Maryland | United States | |
|---|---|---|---|
| Employer plans | 32 | 1,084 | 58,547 |
| Median commission rate | n/a | 5.5% | 3.8% |
| Middle half of rates | n/a | 3.9% – 8.1% | 2.7% – 5.0% |
| Median broker pay per employer | $86,777 | $77,915 | $72,628 |
| Medical premium per covered person | n/a | $7,401 | $7,274 |
| Plans reporting no commission | 0 | 12 | 933 |
Year over year. In plan year 2023, 27 Annapolis employers reported $7.6M in premiums and $2.2M in broker pay for 11,343 participants; in 2024 it was $0 and $3.1M for 12,427 participants (broker pay +40.1%).
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 Annapolis employers pay health insurance brokers?
32 Annapolis employers reported $3,067,460 in broker commissions and fees on their 2024 Form 5500 filings, 31 of them disclosing at least some compensation. Too few fully insured medical plans in Annapolis reported premium to compute a stable commission rate; the Maryland median is 5.5% and the U.S. median is 3.8%. In dollars, the median Annapolis employer that disclosed broker pay reported $86,777.
Which Annapolis employers have the largest health plans?
By insurance premium reported for 2024, Luminis Health, Inc. ($0), Vision Innovation Partners ($0), Crisis24, Inc. ($0) lead. 25 Annapolis employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Annapolis?
By compensation reported by Annapolis employers, the largest brokers are Lockton ($532,790, 2 plans), USI Insurance Services ($236,208, 1 plans), Marsh McLennan Agency ($190,708, 3 plans). By medical premium, the largest carriers are Unitedhealthcare Insurance Company, Janus Associates, Inc. dba BHS, Healthkeepers, Inc..
Are Annapolis employer health plans self-funded or fully insured?
Of 32 Annapolis employer plans, 9 are fully insured, 11 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 Maryland
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