Roseville, Minnesota employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
16 employers in Roseville, Minnesota filed health plans with 100 or more participants for plan year 2024, covering 11,917 participants. They reported $403,795 in insurance premiums and $2.3M in broker commissions and fees. Against 2023, premiums were down 61.7% and broker pay rose 41.5%.
Funding: 3 fully insured · 10 self-funded · 3 mixed. 13 of 16 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Roseville
Roseville employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Presbyterian Homes & Services | $199,936 | $727,641 | 3,368 | Bcinsourcing, LLC |
| Interim Healthcare of the Twin Cities | $113,391 | $51,521 | 122 | OneDigital |
| Ratner Steel Supply Company | $90,468 | $63,123 | 149 | HUB International |
| Pace Analytical Services, LLC | $0 | $307,057 | 2,524 | USI Insurance Services |
| Park Dental Partners, Inc. | $0 | $90,151 | 1,081 | Hays Companies |
| Hawkins Inc | $0 | $130,151 | 910 | Willis Towers Watson |
| Housing First Minnesota Consortium | $0 | $472,640 | 907 | North Risk Partners, LLC |
| Pediatric Home Respiratory Services, LLC d/b/a Pediatric Home Services | $0 | $20,101 | 533 | USI Insurance Services |
| Midwest Radiology, P.A. | $0 | $93,215 | 406 | Gallagher |
| Horton Holding Inc | $0 | $59,210 | 404 | USI Insurance Services |
| Asmodee North America, Inc. | $0 | $67,342 | 372 | USI Insurance Services |
| Beltmann Group Incorporated | $0 | $184,089 | 360 | USI Insurance Services |
| McGough Construction Co, LLC | $0 | $64,797 | 349 | USI Insurance Services |
| Acr Homes, Inc. | $0 | $18,468 | 195 | USI Insurance Services |
| Nice Healthcare Management Company, Inc | $0 | — | 137 | — |
| Ablenet, Inc. | $0 | — | 100 | — |
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 Roseville employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| USI Insurance Services | $610,739 | 7 |
| Bcinsourcing, LLC | $460,432 | 1 |
| Lockton | $267,207 | 1 |
| North Risk Partners LLC | $264,965 | 1 |
| Willis Towers Watson | $166,926 | 2 |
| Gallagher | $93,215 | 1 |
| Hays Companies | $90,151 | 1 |
| Prim. Ben. SVCS., Inc. & Oth. Agts | $85,550 | 1 |
| HUB International | $63,123 | 1 |
| OneDigital | $51,521 | 1 |
Largest medical carriers
Medical premium written for these employers.
Roseville against Minnesota 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.
| Roseville | Minnesota | United States | |
|---|---|---|---|
| Employer plans | 16 | 1,318 | 58,547 |
| Median commission rate | n/a | 5.0% | 3.8% |
| Middle half of rates | n/a | 3.6% – 5.9% | 2.7% – 5.0% |
| Median broker pay per employer | $78,747 | $58,196 | $72,628 |
| Medical premium per covered person | n/a | n/a | $7,274 |
| Plans reporting no commission | 0 | 3 | 933 |
Year over year. In plan year 2023, 15 Roseville employers reported $1.1M in premiums and $1.7M in broker pay for 9,451 participants; in 2024 it was $403,795 and $2.3M for 11,917 participants (premiums −61.7%, broker pay +41.5%).
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 Roseville employers pay health insurance brokers?
16 Roseville employers reported $2,349,506 in broker commissions and fees on their 2024 Form 5500 filings, 14 of them disclosing at least some compensation. Too few fully insured medical plans in Roseville reported premium to compute a stable commission rate; the Minnesota median is 5.0% and the U.S. median is 3.8%. In dollars, the median Roseville employer that disclosed broker pay reported $78,747.
Which Roseville employers have the largest health plans?
By insurance premium reported for 2024, Presbyterian Homes & Services ($199,936), Interim Healthcare of the Twin Cities ($113,391), Ratner Steel Supply Company ($90,468) lead. 16 Roseville employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Roseville?
By compensation reported by Roseville employers, the largest brokers are USI Insurance Services ($610,739, 7 plans), Bcinsourcing, LLC ($460,432, 1 plans), Lockton ($267,207, 1 plans). By medical premium, the largest carriers are Healthpartners Insurance Company, Benchmark Insurance Company, Medica Insurance Company.
Are Roseville employer health plans self-funded or fully insured?
Of 16 Roseville employer plans, 3 are fully insured, 10 are self-funded and 3 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 Minnesota
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