Chesterfield, Missouri employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
36 employers in Chesterfield, Missouri filed health plans with 100 or more participants for plan year 2024, covering 26,454 participants. They reported $2.6M in insurance premiums and $5.1M in broker commissions and fees. Against 2023, premiums were up 35.5% and broker pay rose 26.3%.
Funding: 7 fully insured · 17 self-funded · 12 mixed. 29 of 36 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Chesterfield
Chesterfield employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Rga Reinsurance Company | $2,033,484 | $35,220 | 2,130 | Aon |
| Soh Dental, LLC | $569,418 | $69,088 | 300 | Charles L Crane Agency Co |
| Bunge North America, Inc. | $0 | $292,847 | 3,542 | Mercer |
| CPC Logistics Inc. | $0 | $1,213,824 | 3,440 | Lockton |
| Mitek, Inc. | $0 | $146,461 | 1,998 | Aon |
| Azuria Water Solutions, Inc. | $0 | $460,049 | 1,463 | Lockton |
| Silgan Plastics, LLC | $0 | $13,916 | 1,419 | Gallagher |
| Delmar Gardens Enterprises, Inc. | $0 | — | 1,356 | — |
| Pretium Packaging LLC | $0 | $99,828 | 1,149 | Mercer |
| Rose International, Inc. | $0 | $252,568 | 928 | Aon |
| First Community Credit Union | $0 | $261,781 | 680 | USI Insurance Services |
| Oral Surgery Partners MSO LLC | $0 | $311,940 | 607 | Caravus LLC |
| Compana Pet Brands | $0 | $52,572 | 591 | Lockton |
| Foam Fabricators, Inc. | $0 | $171,279 | 544 | Lockton |
| Crown Diversified Industries Corporation | $0 | $30,136 | 527 | Lockton |
| Crown Packaging Corporation | $0 | $119,366 | 498 | AssuredPartners |
| R. G. Brinkmann Company | $0 | $395,192 | 439 | AssuredPartners |
| Bull Moose Tube Company | $0 | $24,020 | 399 | Lockton |
| Technology Partners, Inc. | $0 | $89,082 | 388 | CT Solutions dba Sonus Benefits |
| Mark Andy, Inc. | $0 | $37,055 | 371 | Lockton |
| Intervision Systems, LLC | $0 | $201,131 | 368 | Brown & Brown |
| National Medical Billing Services | $0 | $144,931 | 354 | Caravus LLC |
| Avmats | $0 | $4,668 | 342 | USI Insurance Services |
| Friendship Village of West County | $0 | $31,672 | 322 | Marsh McLennan Agency |
| Novus International, Inc. | $0 | $129,614 | 246 | Mercer |
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 Chesterfield employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Lockton | $1,808,561 | 9 |
| Mercer | $522,289 | 3 |
| AssuredPartners | $505,342 | 4 |
| Caravus LLC | $443,342 | 2 |
| Aon | $394,991 | 3 |
| USI Insurance Services | $264,489 | 2 |
| Brown & Brown | $198,006 | 1 |
| Marsh McLennan Agency | $163,092 | 4 |
| Bcinsourcing, LLC | $127,009 | 1 |
| CT Solutions dba Sonus Benefits | $89,737 | 4 |
Largest medical carriers
Medical premium written for these employers.
Chesterfield against Missouri 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.
| Chesterfield | Missouri | United States | |
|---|---|---|---|
| Employer plans | 36 | 1,063 | 58,547 |
| Median commission rate | n/a | 4.5% | 3.8% |
| Middle half of rates | n/a | 2.8% – 5.9% | 2.7% – 5.0% |
| Median broker pay per employer | $69,088 | $64,776 | $72,628 |
| Medical premium per covered person | n/a | $7,252 | $7,274 |
| Plans reporting no commission | 0 | 8 | 933 |
Year over year. In plan year 2023, 36 Chesterfield employers reported $1.9M in premiums and $4.0M in broker pay for 28,328 participants; in 2024 it was $2.6M and $5.1M for 26,454 participants (premiums +35.5%, broker pay +26.3%).
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 Chesterfield employers pay health insurance brokers?
36 Chesterfield employers reported $5,057,785 in broker commissions and fees on their 2024 Form 5500 filings, 35 of them disclosing at least some compensation. Too few fully insured medical plans in Chesterfield reported premium to compute a stable commission rate; the Missouri median is 4.5% and the U.S. median is 3.8%. In dollars, the median Chesterfield employer that disclosed broker pay reported $69,088.
Which Chesterfield employers have the largest health plans?
By insurance premium reported for 2024, Rga Reinsurance Company ($2.0M), Soh Dental, LLC ($569,418), Bunge North America, Inc. ($0) lead. 25 Chesterfield employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Chesterfield?
By compensation reported by Chesterfield employers, the largest brokers are Lockton ($1.8M, 9 plans), Mercer ($522,289, 3 plans), AssuredPartners ($505,342, 4 plans). By medical premium, the largest carriers are University Health Alliance, Healthy Alliance Life Insurance Company, Unitedhealthcare Insurance Company.
Are Chesterfield employer health plans self-funded or fully insured?
Of 36 Chesterfield employer plans, 7 are fully insured, 17 are self-funded and 12 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 Missouri
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