St. Cloud, Minnesota employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
27 employers in St. Cloud, Minnesota filed health plans with 100 or more participants for plan year 2024, covering 25,010 participants. They reported $6.7M in insurance premiums and $1.7M in broker commissions and fees. Against 2023, premiums were up 23.2% and broker pay fell 8.6%.
Funding: 8 fully insured · 14 self-funded · 5 mixed. 19 of 27 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in St. Cloud
St. Cloud employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Centracare Health System | $5,422,979 | $166,650 | 10,844 | Marsh McLennan Agency |
| Marco Technologies, LLC | $694,463 | $160,920 | 1,273 | Marsh McLennan Agency |
| Geo-Comm, Inc. | $349,383 | — | 126 | Gallagher |
| Pleasurelandrv Center, Inc. | $111,943 | $54,516 | 229 | USI Insurance Services |
| Spee-Dee Delivery Service, Inc. | $86,382 | $53,484 | 1,004 | Deette Wurm |
| Coborn's Incorporated | $0 | $251,557 | 3,247 | Bcinsourcing LLC |
| Anderson Trucking Service, Inc. | $0 | $139,943 | 1,539 | Hays Companies |
| Automotive Parts Headquarters, Inc. | $0 | $53,426 | 1,059 | USI Insurance Services |
| Pan-O-Gold Baking Co. | $0 | $65,568 | 867 | Intellicents |
| Knife River Corp. - North Central | $0 | — | 721 | — |
| Stearns Financial Services, Inc. | $0 | $210,094 | 475 | Marsh McLennan Agency |
| ST Cloud Refrigeration Inc Health & Welfare Plan | $0 | $104,717 | 456 | Gallagher |
| Viking Coca-Cola Bottling Company | $0 | $14,344 | 399 | Christensen Group, Inc. |
| Park Industries, Inc. | $0 | $52,537 | 333 | USI Insurance Services |
| Nahan Printing, Inc. | $0 | $40,576 | 328 | Marsh McLennan Agency |
| Collins Brothers Towing of ST Cloud Inc | $0 | $18,732 | 260 | Titan Benefit Group Inc |
| KBP Northstar, LLC | $0 | $70,659 | 246 | Hays Companies |
| Dubow Textile, Inc. | $0 | $64,752 | 239 | NFP |
| Preferred Credit, Inc | $0 | $37,733 | 219 | Hays Companies |
| Microbiologics, Inc. | $0 | $2,148 | 187 | Gallagher |
| Thrive Behavioral Network, LLC | $0 | $11,820 | 177 | USI Insurance Services |
| Leighton Enterprises, Inc. | $0 | $42,544 | 152 | North Risk Partners, LLC |
| Gilleland Enterprises | $0 | — | 143 | — |
| ST. Cloud Industrial Products, Inc. | $0 | $10,473 | 143 | Gallagher |
| Northern Metal Products, Inc. | $0 | $41,648 | 121 | Hays Companies |
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 St. Cloud employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Marsh McLennan Agency | $532,551 | 4 |
| Hays Companies | $243,086 | 5 |
| Bcinsourcing, LLC | $142,097 | 1 |
| Lockton | $128,949 | 2 |
| Gallagher | $117,382 | 4 |
| USI Insurance Services | $105,438 | 4 |
| Intellicents Inc | $65,568 | 1 |
| Brown & Brown | $58,753 | 5 |
| Deette Wurm | $53,484 | 1 |
| NFP | $50,028 | 1 |
Largest medical carriers
Medical premium written for these employers.
St. Cloud 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.
| St. Cloud | Minnesota | United States | |
|---|---|---|---|
| Employer plans | 27 | 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 | $53,426 | $58,196 | $72,628 |
| Medical premium per covered person | n/a | n/a | $7,274 |
| Plans reporting no commission | 1 | 3 | 933 |
Year over year. In plan year 2023, 30 St. Cloud employers reported $5.4M in premiums and $1.9M in broker pay for 24,829 participants; in 2024 it was $6.7M and $1.7M for 25,010 participants (premiums +23.2%, broker pay −8.6%).
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 St. Cloud employers pay health insurance brokers?
27 St. Cloud employers reported $1,692,836 in broker commissions and fees on their 2024 Form 5500 filings, 23 of them disclosing at least some compensation. Too few fully insured medical plans in St. Cloud 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 St. Cloud employer that disclosed broker pay reported $53,426.
Which St. Cloud employers have the largest health plans?
By insurance premium reported for 2024, Centracare Health System ($5.4M), Marco Technologies, LLC ($694,463), Geo-Comm, Inc. ($349,383) lead. 25 St. Cloud employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in St. Cloud?
By compensation reported by St. Cloud employers, the largest brokers are Marsh McLennan Agency ($532,551, 4 plans), Hays Companies ($243,086, 5 plans), Bcinsourcing, LLC ($142,097, 1 plans). By medical premium, the largest carriers are Healthpartners Administrators, Inc, Blue Cross and Blue Shield of Minnesota, Medica Insurance Company.
Are St. Cloud employer health plans self-funded or fully insured?
Of 27 St. Cloud employer plans, 8 are fully insured, 14 are self-funded and 5 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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