Owings Mills, Maryland employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
17 employers in Owings Mills, Maryland filed health plans with 100 or more participants for plan year 2024, covering 12,964 participants. They reported $0 in insurance premiums and $1.8M in broker commissions and fees. Against 2023, premiums were unchanged and broker pay rose 1.5%.
Funding: 4 fully insured · 7 self-funded · 6 mixed. 13 of 17 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Owings Mills
Owings Mills employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Carefirst, Inc. | $0 | $511,728 | 6,075 | Marsh McLennan Agency |
| Daniel G. Schuster, LLC | $0 | $16,504 | 1,459 | CBIZ |
| Element Vehicle Management Services, LLC | $0 | $83,832 | 1,396 | Gallagher |
| Cua Opco, LLC | $0 | $104,564 | 879 | Lockton |
| American Pool Enterprises, Inc. | $0 | $240,606 | 581 | Marsh McLennan Agency |
| The Time Group Inc | $0 | $65,456 | 419 | Franklin Financial Group LLC |
| Rand Worldwide | $0 | — | 404 | — |
| Baltimore Ravens Limited Partnershi | $0 | $19,864 | 269 | Kelly & Associates Insurance Group |
| Tourgee & Associates, Inc. | $0 | $190,468 | 267 | The Hilb Group of Maryland LLC |
| David S. Brown Enterprises, LTD. | $0 | $134,035 | 214 | Central Maryland Insurance Assoc. |
| Windsor Electric Company, Inc. | $0 | $55,855 | 182 | Kelly & Associates Insurance Group |
| Chesapeake Urology Associates, LLC | $0 | $104,564 | 173 | Lockton |
| Jemicy School Inc | $0 | $60,298 | 148 | Kelly & Associates Insurance Group |
| The Baltimore Life Insurance Co. | $0 | — | 136 | — |
| Progress Unlimited, Inc. | $0 | $22,633 | 129 | Marsh McLennan Agency |
| Chesapeake Contracting Group, Inc. | $0 | $40,703 | 125 | Marsh McLennan Agency |
| Bellese Technologies, LLC | $0 | $139,392 | 108 | Hylant |
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 Owings Mills employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Marsh McLennan Agency | $558,225 | 4 |
| Willis Towers Watson | $239,931 | 1 |
| Lockton | $210,438 | 2 |
| The Hilb Group of Maryland LLC | $164,538 | 1 |
| Kelly & Associates Insurance Group | $158,920 | 4 |
| Central Maryland Insurance Assoc | $131,531 | 1 |
| Hylant | $121,267 | 1 |
| Gallagher | $83,832 | 1 |
| Franklin Financial Group LLC | $40,714 | 1 |
| CBIZ | $16,504 | 1 |
Largest medical carriers
Medical premium written for these employers.
Owings Mills 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.
| Owings Mills | Maryland | United States | |
|---|---|---|---|
| Employer plans | 17 | 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 | $83,832 | $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, 18 Owings Mills employers reported $4.5M in premiums and $1.8M in broker pay for 12,391 participants; in 2024 it was $0 and $1.8M for 12,964 participants (broker pay +1.5%).
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 Owings Mills employers pay health insurance brokers?
17 Owings Mills employers reported $1,790,502 in broker commissions and fees on their 2024 Form 5500 filings, 15 of them disclosing at least some compensation. Too few fully insured medical plans in Owings Mills 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 Owings Mills employer that disclosed broker pay reported $83,832.
Which Owings Mills employers have the largest health plans?
By insurance premium reported for 2024, Carefirst, Inc. ($0), Daniel G. Schuster, LLC ($0), Element Vehicle Management Services, LLC ($0) lead. 17 Owings Mills employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Owings Mills?
By compensation reported by Owings Mills employers, the largest brokers are Marsh McLennan Agency ($558,225, 4 plans), Willis Towers Watson ($239,931, 1 plans), Lockton ($210,438, 2 plans). By medical premium, the largest carriers are Carefirst Bluechoice, Inc., Janus Associates, Inc. dba BHS, Carefirst of Maryland, Inc..
Are Owings Mills employer health plans self-funded or fully insured?
Of 17 Owings Mills employer plans, 4 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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