Fenton, Missouri employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
21 employers in Fenton, Missouri filed health plans with 100 or more participants for plan year 2024, covering 61,126 participants. They reported $3.1M in insurance premiums and $2.4M in broker commissions and fees. Against 2023, premiums were up 1.0% and broker pay rose 29.1%.
Funding: 5 fully insured · 9 self-funded · 7 mixed. 16 of 21 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Fenton
Fenton employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Hallmark Stone Company Acquisition LLC | $1,144,341 | $58,230 | 158 | Daniel & Henry Co Inc |
| Panera, LLC | $835,920 | $825,849 | 52,065 | Buck |
| Retail Technology Group | $788,284 | $59,301 | 187 | AssuredPartners |
| Koller Enterprises, Inc. | $346,152 | $34,830 | 280 | Marsch USA Inc. - J.W. Terrill |
| Maritz Holdings Inc. | $0 | $79,708 | 2,672 | Mercer |
| John Fabick Tractor Company | $0 | $195,093 | 1,022 | USI Insurance Services |
| Cic Group, Inc. | $0 | $54,564 | 683 | USI Insurance Services |
| Unigroup, Inc. | $0 | $80,741 | 608 | Lockton |
| Environmental Restoration, LLC | $0 | $238,892 | 472 | AssuredPartners |
| International Food Products | $0 | $221,306 | 449 | AssuredPartners |
| Tacony Corporation | $0 | $33,550 | 327 | Lockton |
| Buff Enterprises, LLC | $0 | — | 287 | — |
| 1st Phorm International, LLC | $0 | — | 287 | — |
| Jim Butler Auto Group, LLC | $0 | $108,507 | 281 | AssuredPartners |
| Control Devices, LLC | $0 | $19,404 | 270 | Lockton |
| D & D Distributors, LLLP | $0 | $207,919 | 224 | Lockton |
| Butler Supply, Inc. | $0 | $57,144 | 216 | Marsh McLennan Agency |
| Production Castings, Inc | $0 | $50,831 | 169 | Charles L Crane Agency Co |
| Sunnyhill, Inc. | $0 | — | 168 | — |
| Security Equipment Corporation | $0 | $72,722 | 152 | Caravus, LLC |
| Exelco Leasing, Inc. | $0 | $15,587 | 149 | OneDigital |
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 Fenton employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Buck | $811,939 | 1 |
| AssuredPartners | $623,622 | 5 |
| Lockton | $341,167 | 5 |
| USI Insurance Services | $247,095 | 2 |
| Caravus LLC | $60,167 | 1 |
| The Daniel & Henry Co | $57,735 | 2 |
| Mercer | $53,343 | 2 |
| Charles L Crane Agency Co | $50,831 | 1 |
| Marsh McLennan Agency | $32,593 | 2 |
| Marsch USA Inc. - J.W. Terrill | $29,685 | 1 |
Largest medical carriers
Medical premium written for these employers.
Fenton 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.
| Fenton | Missouri | United States | |
|---|---|---|---|
| Employer plans | 21 | 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 | $66,012 | $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, 22 Fenton employers reported $3.1M in premiums and $1.9M in broker pay for 64,473 participants; in 2024 it was $3.1M and $2.4M for 61,126 participants (premiums +1.0%, broker pay +29.1%).
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 Fenton employers pay health insurance brokers?
21 Fenton employers reported $2,414,178 in broker commissions and fees on their 2024 Form 5500 filings, 18 of them disclosing at least some compensation. Too few fully insured medical plans in Fenton 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 Fenton employer that disclosed broker pay reported $66,012.
Which Fenton employers have the largest health plans?
By insurance premium reported for 2024, Hallmark Stone Company Acquisition LLC ($1.1M), Panera, LLC ($835,920), Retail Technology Group ($788,284) lead. 21 Fenton employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Fenton?
By compensation reported by Fenton employers, the largest brokers are Buck ($811,939, 1 plans), AssuredPartners ($623,622, 5 plans), Lockton ($341,167, 5 plans). By medical premium, the largest carriers are Cigna Health and Life Insurance Company, Blue Cross and Blue Shield of Alabama, Unitedhealthcare Insurance Company.
Are Fenton employer health plans self-funded or fully insured?
Of 21 Fenton employer plans, 5 are fully insured, 9 are self-funded and 7 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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