Gaithersburg, Maryland employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
20 employers in Gaithersburg, Maryland filed health plans with 100 or more participants for plan year 2024, covering 8,397 participants. They reported $742,678 in insurance premiums and $1.3M in broker commissions and fees. Against 2023, premiums were down 28.4% and broker pay fell 17.1%.
Funding: 7 fully insured · 7 self-funded · 6 mixed. 13 of 20 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Gaithersburg
Gaithersburg employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Emergent Biosolutions | $595,840 | $35,078 | 2,403 | Lockton |
| Advanced Technologies and Laboratories International, Inc. | $125,116 | $50,108 | 469 | The Meltzer Group Inc |
| Community Support Services, Inc. | $21,722 | $47,440 | 529 | Alterity Broker Solutions, Inc. |
| Miltenyi Biotec North America, Inc. | $0 | $204,676 | 956 | Abd Ins. and Financial SVCS., Inc. |
| Novavax, Inc. | $0 | $14,183 | 857 | Gallagher |
| The Arora Group Inc | $0 | $187,594 | 506 | HUB International |
| Edgewood Management Corporation | $0 | $29,978 | 389 | Emerson Reid LLC |
| MPF Federal LLC | $0 | $54,222 | 386 | The Meltzer Group, Inc |
| King Automotive Group | $0 | $67,507 | 267 | The Hilb Group of Maryland LLC |
| Athena Consulting LLC | $0 | $68,508 | 176 | USI Insurance Services |
| NEA Member Benefits | $0 | — | 164 | — |
| Homespire Mortgage Corporation | $0 | $8,230 | 161 | Marsh McLennan Agency |
| Boland Services, Inc. | $0 | $4,560 | 153 | OneDigital |
| No Tears Learning, Inc. | $0 | $106,674 | 149 | HUB International |
| Criswell Chevrolet Inc. | $0 | $62,431 | 149 | Howard Lamplugh |
| Bryant Group, Inc. | $0 | $79,235 | 145 | Marsh McLennan Agency |
| Decisionpoint Corporation | $0 | $169,877 | 143 | HUB International |
| Identity, Inc. | $0 | $86,608 | 135 | John B Millen |
| Concrete General, Inc. | $0 | $21,287 | 131 | Marsh McLennan Agency |
| Arc Services A, LLC | $0 | $1,667 | 129 | CBIZ |
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 Gaithersburg employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| HUB International | $421,103 | 3 |
| Abd Ins. and Financial SVCS., Inc. | $204,676 | 1 |
| The Meltzer Group Inc | $80,376 | 4 |
| Marsh McLennan Agency | $74,575 | 3 |
| USI Insurance Services | $68,508 | 1 |
| James R Nelligan & Associates LLC | $64,044 | 3 |
| Howard Lamplugh | $62,431 | 1 |
| The Hilb Group of Maryland LLC | $52,196 | 1 |
| John B Millen | $45,943 | 1 |
| Lockton | $34,883 | 1 |
Largest medical carriers
Medical premium written for these employers.
Gaithersburg 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.
| Gaithersburg | Maryland | United States | |
|---|---|---|---|
| Employer plans | 20 | 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 | $54,222 | $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, 20 Gaithersburg employers reported $1.0M in premiums and $1.6M in broker pay for 8,300 participants; in 2024 it was $742,678 and $1.3M for 8,397 participants (premiums −28.4%, broker pay −17.1%).
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 Gaithersburg employers pay health insurance brokers?
20 Gaithersburg employers reported $1,299,863 in broker commissions and fees on their 2024 Form 5500 filings, 19 of them disclosing at least some compensation. Too few fully insured medical plans in Gaithersburg 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 Gaithersburg employer that disclosed broker pay reported $54,222.
Which Gaithersburg employers have the largest health plans?
By insurance premium reported for 2024, Emergent Biosolutions ($595,840), Advanced Technologies and Laboratories International, Inc. ($125,116), Community Support Services, Inc. ($21,722) lead. 20 Gaithersburg employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Gaithersburg?
By compensation reported by Gaithersburg employers, the largest brokers are HUB International ($421,103, 3 plans), Abd Ins. and Financial SVCS., Inc. ($204,676, 1 plans), The Meltzer Group Inc ($80,376, 4 plans). By medical premium, the largest carriers are Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc., Kaiser Foundation Health Plan, Inc., Unitedhealthcare Insurance Company.
Are Gaithersburg employer health plans self-funded or fully insured?
Of 20 Gaithersburg employer plans, 7 are fully insured, 7 are self-funded and 6 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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