Silver Spring, Maryland employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
30 employers in Silver Spring, Maryland filed health plans with 100 or more participants for plan year 2024, covering 16,358 participants. They reported $2.3M in insurance premiums and $3.8M in broker commissions and fees. Against 2023, premiums were up 123.4% and broker pay rose 5.7%.
Funding: 9 fully insured · 6 self-funded · 15 mixed. 21 of 30 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Silver Spring
Silver Spring employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Hostelling International USA | $1,278,709 | $122,341 | 252 | USI Insurance Services |
| Easter Seals Serving DC MD Va,inc. | $1,056,198 | $116,372 | 322 | Meltzer Group Inc. C/O NFP |
| Childrens National Medical Center Human Resources Dept | $0 | $622,862 | 7,832 | Child Health Corp of America |
| United Therapeutics Corporation | $0 | $331,419 | 1,091 | Marsh McLennan Agency |
| Eaglebank | $0 | $114,549 | 487 | The Meltzer Group Inc |
| Int'l Alliance of Theatrical Stage Employees - Moving Picture Machine | $0 | $13,686 | 480 | Bolton Partners |
| Innovative Life Solutions, Inc. | $0 | $74,042 | 413 | The Meltzer Group Inc |
| Affiliated Sante Group | $0 | $181,918 | 385 | Tribridge Partners LLC |
| Kay Management Co., Inc. | $0 | $54,814 | 382 | Gallagher |
| Family & Nursing Care Select LLC | $0 | $121,948 | 354 | HUB International |
| Mindoula Health Inc. | $0 | $157,017 | 330 | Marsh McLennan Agency |
| American Nurses Association | $0 | $245,595 | 301 | USI Insurance Services |
| Grady Management, Inc. | $0 | $86,613 | 284 | The Hilb Group of Maryland |
| Toole Design Group, LLC | $0 | $31,917 | 280 | Gallagher |
| Community Clinic, Inc. | $0 | $134,591 | 268 | The Hilb Group of Maryland |
| Hias, Inc. | $0 | $80,557 | 265 | Silberstein Insurance Group LLC |
| National Children's Center Inc. | $0 | $100,258 | 260 | The Meltzer Group, Inc. |
| Ullico Inc. | $0 | $9,372 | 259 | USI Insurance Services |
| Oxford House, Inc. | $0 | $179,966 | 252 | OneDigital |
| Esimplicity, Inc. | $0 | $222,984 | 241 | Sequoia |
| Leisure World of Maryland Corporation | $0 | $100,653 | 206 | Kelly & Associates Insurance Group |
| Seec Corporation | $0 | $118,639 | 199 | HUB International |
| Janjer Enterprises, Inc. | $0 | $97,895 | 192 | Marsh McLennan Agency |
| Sport Chevrolet Company Inc. | $0 | $46,513 | 174 | Marsh McLennan Agency |
| Manuel Luis Construction Company Inc. | $0 | $68,167 | 162 | 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 Silver Spring employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Marsh McLennan Agency | $766,735 | 6 |
| USI Insurance Services | $444,900 | 5 |
| Child Health Corp of America | $399,298 | 1 |
| HUB International | $376,666 | 3 |
| The Meltzer Group Inc | $333,631 | 8 |
| Sequoia | $222,984 | 1 |
| The Hilb Group of Maryland LLC | $146,626 | 2 |
| OneDigital | $138,999 | 1 |
| Gallagher | $120,347 | 3 |
| Tribridge Partners LLC | $118,908 | 1 |
Largest medical carriers
Medical premium written for these employers.
Silver Spring 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.
| Silver Spring | Maryland | United States | |
|---|---|---|---|
| Employer plans | 30 | 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 | $100,456 | $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, 34 Silver Spring employers reported $1.0M in premiums and $3.6M in broker pay for 16,894 participants; in 2024 it was $2.3M and $3.8M for 16,358 participants (premiums +123.4%, broker pay +5.7%).
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 Silver Spring employers pay health insurance brokers?
30 Silver Spring employers reported $3,768,216 in broker commissions and fees on their 2024 Form 5500 filings, 30 of them disclosing at least some compensation. Too few fully insured medical plans in Silver Spring 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 Silver Spring employer that disclosed broker pay reported $100,456.
Which Silver Spring employers have the largest health plans?
By insurance premium reported for 2024, Hostelling International USA ($1.3M), Easter Seals Serving DC MD Va,inc. ($1.1M), Childrens National Medical Center Human Resources Dept ($0) lead. 25 Silver Spring employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Silver Spring?
By compensation reported by Silver Spring employers, the largest brokers are Marsh McLennan Agency ($766,735, 6 plans), USI Insurance Services ($444,900, 5 plans), Child Health Corp of America ($399,298, 1 plans). By medical premium, the largest carriers are Cigna Health and Life Insurance Company, Unitedhealthcare Insurance Company, Flexcare Digital Health.
Are Silver Spring employer health plans self-funded or fully insured?
Of 30 Silver Spring employer plans, 9 are fully insured, 6 are self-funded and 15 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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