St. Paul, Minnesota employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
117 employers in St. Paul, Minnesota filed health plans with 100 or more participants for plan year 2024, covering 167,420 participants. They reported $14M in insurance premiums and $10M in broker commissions and fees. Against 2023, premiums were down 4.8% and broker pay fell 0.0%.
Funding: 14 fully insured · 47 self-funded · 56 mixed. 103 of 117 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in St. Paul
St. Paul employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Ecolab Inc. | $3,615,961 | $741,525 | 19,295 | Willis Towers Watson |
| Eec Acquisition, LLC | $2,959,565 | $455,536 | 2,097 | Mercer |
| Patterson Companies, Inc. | $2,411,918 | $807,526 | 6,297 | Willis Towers Watson |
| Travelers Companies, Inc. | $1,944,602 | $461,263 | 32,329 | Willis Towers Watson |
| Accanto Health, LLC | $1,050,395 | $86,333 | 1,119 | Marsh McLennan Agency |
| Wuxi Apptec Holding Company | $794,072 | $80,383 | 1,872 | The Ultimate Software Group |
| Goodwill Industries, Inc. | $302,882 | $201,989 | 400 | USI Insurance Services |
| University of Northwestern - ST. Paul | $273,092 | $38,750 | 529 | USI Insurance Services |
| Total Tool Supply, Inc. | $172,493 | $33,087 | 318 | Lockton |
| The Emily Program, P.C. | $166,378 | $9,304 | 305 | Marsh McLennan Agency |
| Ever-Green Energy, Inc. | $162,018 | $69,113 | 148 | Willis Towers Watson |
| Family Healthservices Minnesota, PA | $149,410 | $47,828 | 197 | USI Insurance Services |
| F.H. Stoltze Land & Lumber Co./ Maple Island, Inc. | $81,693 | $10,584 | 167 | Hays Companies |
| Brown-Wilbert, Inc. | $66,224 | $37,367 | 124 | Health Insurance Consultants |
| Wingspan Life Resources | $38,743 | $55,310 | 172 | USI Insurance Services |
| 3M Company | $0 | $566,553 | 39,079 | Beneplace, LLC |
| Solventum Corporation | $0 | $206,099 | 11,022 | American Benefits Consulting, LLC |
| Bcbsm Inc | $0 | $170,068 | 4,303 | Willis Towers Watson |
| Johnson Brothers Liquor Company | $0 | $28,949 | 3,620 | NFP |
| Trustees ST. Paul Electrical Workers Health Plan | $0 | $2,013 | 3,167 | USI Insurance Services |
| Securian Financial Group, Inc. | $0 | — | 2,988 | — |
| H.B. Fuller Company | $0 | $110,219 | 2,534 | Hays Companies |
| Trustees Retirement Medical Funding Plan for ST. Paul Electrical Worke | $0 | — | 2,392 | — |
| University of ST. Thomas | $0 | $26,769 | 1,956 | USI Insurance Services |
| Marsden Holding, L.L.C. | $0 | $111,342 | 1,600 | Lockton |
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. Paul employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Willis Towers Watson | $2,215,668 | 8 |
| USI Insurance Services | $1,787,417 | 35 |
| Gallagher | $1,357,997 | 13 |
| Lockton | $610,752 | 8 |
| Hays Companies | $514,636 | 15 |
| Mercer | $468,030 | 2 |
| Marsh McLennan Agency | $412,085 | 12 |
| Beneplace, Inc. | $404,443 | 2 |
| American Benefits Consulting LLC | $368,209 | 2 |
| Brown & Brown | $364,021 | 15 |
Largest medical carriers
Medical premium written for these employers.
St. Paul 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. Paul | Minnesota | United States | |
|---|---|---|---|
| Employer plans | 117 | 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 | $59,159 | $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, 124 St. Paul employers reported $15M in premiums and $10M in broker pay for 162,236 participants; in 2024 it was $14M and $10M for 167,420 participants (premiums −4.8%, broker pay −0.0%).
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. Paul employers pay health insurance brokers?
117 St. Paul employers reported $10,488,990 in broker commissions and fees on their 2024 Form 5500 filings, 106 of them disclosing at least some compensation. Too few fully insured medical plans in St. Paul 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. Paul employer that disclosed broker pay reported $59,159.
Which St. Paul employers have the largest health plans?
By insurance premium reported for 2024, Ecolab Inc. ($3.6M), Eec Acquisition, LLC ($3.0M), Patterson Companies, Inc. ($2.4M) lead. 25 St. Paul 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. Paul?
By compensation reported by St. Paul employers, the largest brokers are Willis Towers Watson ($2.2M, 8 plans), USI Insurance Services ($1.8M, 35 plans), Gallagher ($1.4M, 13 plans). By medical premium, the largest carriers are MCS Life Insurance Company, Medica Insurance Company, Blue Cross and Blue Shield of Minnesota and Blue Plus.
Are St. Paul employer health plans self-funded or fully insured?
Of 117 St. Paul employer plans, 14 are fully insured, 47 are self-funded and 56 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
Is your company on this page? Get its Form 5500 read next to the St. Paul, Minnesota medians.
Tell us the company and a specialist writes up what the public Form 5500 record shows for it, if it files one: broker pay against the medians above, fee disclosure and filing timeliness, in a form you can forward to your CFO or counsel. Tick the box if you also want a 15-minute walkthrough call.
We don't sell your email. By submitting, you agree that BenefitsLedger and its benefits advisory partner, WellthCare, may email or call you about these findings. Opt out anytime by replying. See our privacy policy.