Earth City, Missouri employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
18 employers in Earth City, Missouri filed health plans with 100 or more participants for plan year 2024, covering 14,433 participants. They reported $62M in insurance premiums and $581,296 in broker commissions and fees. Against 2023, premiums were down 2.5% and broker pay fell 15.5%.
Funding: 3 fully insured · 13 self-funded · 2 mixed. 15 of 18 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Earth City
Earth City employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
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 Earth City employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| OneDigital | $128,989 | 3 |
| Alternative Risk Solutions, LLC | $86,251 | 1 |
| Heffernan | $59,804 | 1 |
| Otis, Antoinette | $45,142 | 1 |
| Mercer | $42,994 | 1 |
| Marsh McLennan Agency | $39,748 | 2 |
| The Hays Group Inc | $19,417 | 1 |
| CBIZ | $18,268 | 1 |
| HUB International | $12,968 | 2 |
| AssuredPartners | $11,318 | 1 |
Largest medical carriers
Medical premium written for these employers.
Earth City 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.
| Earth City | Missouri | United States | |
|---|---|---|---|
| Employer plans | 18 | 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 | $40,498 | $64,776 | $72,628 |
| Medical premium per covered person | n/a | $7,252 | $7,274 |
| Plans reporting no commission | 1 | 8 | 933 |
Year over year. In plan year 2023, 17 Earth City employers reported $64M in premiums and $687,606 in broker pay for 12,905 participants; in 2024 it was $62M and $581,296 for 14,433 participants (premiums −2.5%, broker pay −15.5%).
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 Earth City employers pay health insurance brokers?
18 Earth City employers reported $581,296 in broker commissions and fees on their 2024 Form 5500 filings, 15 of them disclosing at least some compensation. Too few fully insured medical plans in Earth City 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 Earth City employer that disclosed broker pay reported $40,498.
Which Earth City employers have the largest health plans?
By insurance premium reported for 2024, Trustees Teamsters and Employers Welfare Trust ($62M), Cca Corporate Services LLC ($27,634), Trustees , Plumbers and Pipefitters' Welfare Educational Fund ($0) lead. 18 Earth City employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Earth City?
By compensation reported by Earth City employers, the largest brokers are OneDigital ($128,989, 3 plans), Alternative Risk Solutions, LLC ($86,251, 1 plans), Heffernan ($59,804, 1 plans). By medical premium, the largest carriers are Blue Cross Blue Shield, Aetna Life Insurance Company, Humana Insurance Company.
Are Earth City employer health plans self-funded or fully insured?
Of 18 Earth City employer plans, 3 are fully insured, 13 are self-funded and 2 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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