Frederick, Maryland employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
32 employers in Frederick, Maryland filed health plans with 100 or more participants for plan year 2024, covering 17,822 participants. They reported $34M in insurance premiums and $2.8M in broker commissions and fees. Against 2023, premiums were down 3.3% and broker pay rose 0.6%.
Funding: 12 fully insured · 12 self-funded · 8 mixed. 20 of 32 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Frederick
Frederick employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Leidos Biomedical Research, Inc. | $34,198,503 | $85,372 | 2,527 | Bolton Partners, Inc. |
| Frederick Health Hospital, Inc. | $0 | $60,632 | 3,418 | Clarity Benefit Solutions, Inc. |
| Asbury Communities, Inc. | $0 | $127,289 | 1,911 | Lockton |
| Landcare USA, LLC | $0 | $86,879 | 1,146 | Aon |
| Thompsongas, LLC | $0 | $188,141 | 1,135 | Kelly & Associates Insurance Group |
| Legal & General America, Inc. | $0 | $354,838 | 985 | Meltzer Group Inc. |
| Service Coordination, Inc. | $0 | $66,208 | 950 | The Hilb Group of Maryland |
| Mattress Warehouse, Inc. | $0 | $159,158 | 799 | Lockton |
| Stulz Air Technology Systems, Inc. | $0 | $130,810 | 637 | — |
| Southeastern Computer Consultants, Inc. | $0 | $163,281 | 336 | Health Plan Strategies, Inc. |
| Carey International, Inc. | $0 | $55,065 | 294 | USI Insurance Services |
| Hood College | $0 | $12,872 | 275 | CBIZ |
| Morgan-Keller, Inc. | $0 | $63,136 | 254 | Silberstein Insurance Group, LLC. |
| Wright Manufacturing, Inc. | $0 | $117,325 | 228 | O'brien Benefits & Financial Srvcs |
| Aircraft Owners and Pilots Association | $0 | $12,104 | 219 | James R Nelligan & Associates LLC |
| Donald B. Rice Tire Co., Inc. | $0 | $7,187 | 219 | Mather and Strohl Admin. SVC., Inc. |
| Plamondon Enterprises Inc | $0 | $28,836 | 212 | Strateben Inc |
| Stafford Brooks Consulting | $0 | $32,891 | 212 | Hilb Group of Maryland LLC |
| Frederick Primary Care Associates, PA. | $0 | $163,116 | 204 | Marsh McLennan Agency |
| Edgewater Federal Solutions, Inc. | $0 | $90,439 | 193 | HUB International |
| Advanced Behavioral Health | $0 | $57,950 | 173 | EPIC Insurance Brokers |
| WLR Management Company, Inc. | $0 | $54,529 | 168 | Tribridge Partners LLC |
| American Computer Development Corp (acdi) | $0 | $116,955 | 161 | Marsh McLennan Agency |
| Abicor Binzel, USA, Inc. | $0 | $140,453 | 156 | Employee Benefit Architects, LLC |
| R.W. Warner, Inc. | $0 | $76,434 | 155 | Marsh McLennan Agency |
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 Frederick employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Marsh McLennan Agency | $351,498 | 6 |
| The Meltzer Group Inc | $317,872 | 2 |
| Kelly & Associates Insurance Group | $265,475 | 4 |
| Lockton | $255,867 | 2 |
| Health Plan Strategies, Inc. | $163,281 | 1 |
| Employee Benefit Architects, LLC | $111,793 | 1 |
| Gallagher | $109,322 | 5 |
| The Hilb Group of Maryland LLC | $99,099 | 2 |
| O'brien Benefits & Financial Srvcs | $94,434 | 1 |
| Aon | $86,879 | 1 |
Largest medical carriers
Medical premium written for these employers.
Frederick 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.
| Frederick | 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 | $64,672 | $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, 30 Frederick employers reported $35M in premiums and $2.8M in broker pay for 17,616 participants; in 2024 it was $34M and $2.8M for 17,822 participants (premiums −3.3%, broker pay +0.6%).
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 Frederick employers pay health insurance brokers?
32 Frederick employers reported $2,793,042 in broker commissions and fees on their 2024 Form 5500 filings, 32 of them disclosing at least some compensation. Too few fully insured medical plans in Frederick 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 Frederick employer that disclosed broker pay reported $64,672.
Which Frederick employers have the largest health plans?
By insurance premium reported for 2024, Leidos Biomedical Research, Inc. ($34M), Frederick Health Hospital, Inc. ($0), Asbury Communities, Inc. ($0) lead. 25 Frederick employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Frederick?
By compensation reported by Frederick employers, the largest brokers are Marsh McLennan Agency ($351,498, 6 plans), The Meltzer Group Inc ($317,872, 2 plans), Kelly & Associates Insurance Group ($265,475, 4 plans). By medical premium, the largest carriers are Cigna Health and Life Insurance Company, Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc., Carefirst of Maryland, Inc..
Are Frederick employer health plans self-funded or fully insured?
Of 32 Frederick employer plans, 12 are fully insured, 12 are self-funded and 8 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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