Kansas City, Missouri employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
184 employers in Kansas City, Missouri filed health plans with 100 or more participants for plan year 2024, covering 249,115 participants. They reported $173M in insurance premiums and $23M in broker commissions and fees. The median broker rate on commission-paying, fully insured medical plans was 3.6% of premium, against 4.5% across Missouri and 3.8% nationally. Against 2023, premiums were up 3.9% and broker pay rose 9.6%.
Funding: 56 fully insured · 57 self-funded · 71 mixed. 128 of 184 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Kansas City
Kansas City employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Polsinelli | $32,340,915 | $596,984 | 1,801 | Lockton |
| Spencer Fane LLP | $11,676,950 | $362,256 | 835 | CBIZ |
| Stinson LLP | $10,204,024 | $324,094 | 816 | CBIZ |
| Northpoint Development, LLC | $10,011,612 | $141,513 | 1,115 | HUB International |
| Conexon, LLC | $9,662,880 | $647,741 | 656 | Holmes Murphy |
| Stowers Resource Management Inc | $8,803,170 | $258,993 | 477 | Lockton |
| Delaval Inc. | $7,204,511 | $166,100 | 449 | Willis Towers Watson |
| Mriglobal | $5,824,456 | $217,204 | 417 | Bukaty Companies |
| Kansas City Royals Baseball Club, LLC | $5,614,792 | $253,796 | 313 | Hallier Benefit Advisors |
| University Health Physicians | $5,004,090 | $145,269 | 233 | CBIZ |
| Barkley, LLC | $4,152,770 | $195,945 | 470 | Lockton |
| Labconco Corporation | $3,853,097 | $129,311 | 309 | Lockton |
| Ped Capital Management, LLC | $3,528,728 | $124,821 | 249 | Gallagher |
| Swope Health Services | $3,314,093 | $453,717 | 544 | Bukaty Companies Inc |
| Riverside Transport, Inc | $2,680,017 | $87,428 | 528 | Brown & Brown |
| Skymark Buyer Corp | $2,656,434 | $224,988 | 164 | Bukaty Companies |
| Vanguard Packaging, Inc. | $2,651,901 | $193,855 | 253 | AssuredPartners |
| Hallmark Cards, Inc. | $2,495,636 | $36,191 | 5,086 | Mercer |
| Centric Construction Group LLC | $2,308,630 | $110,560 | 152 | Holmes Murphy |
| Baker Sterchi Cowden & Rice LLC | $2,118,305 | $125,660 | 177 | CBIZ |
| Greater K.C. Linc. Inc. | $2,077,988 | $37,313 | 122 | Watko Benefit Group |
| Samuel U. Rodgers Health Center, Inc. | $2,074,088 | $97,151 | 274 | USI Insurance Services |
| Gilmore & Bell, P.C. | $2,012,466 | $62,083 | 120 | AssuredPartners |
| Kansas City Symphony | $1,908,136 | $67,041 | 108 | The Hays Group |
| Payit, LLC | $1,906,833 | $195,471 | 221 | 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 Kansas City employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Lockton | $6,184,868 | 48 |
| Bukaty Companies | $2,455,096 | 25 |
| CBIZ | $2,159,322 | 18 |
| Holmes Murphy | $1,265,939 | 11 |
| Robert E. Miller Insurance Agency | $1,157,289 | 15 |
| Mercer | $767,547 | 7 |
| Brown & Brown | $725,067 | 8 |
| AssuredPartners | $647,078 | 7 |
| IMA Financial | $590,071 | 2 |
| Willis Towers Watson | $568,765 | 8 |
Largest medical carriers
Medical premium written for these employers.
Kansas 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.
| Kansas City | Missouri | United States | |
|---|---|---|---|
| Employer plans | 184 | 1,063 | 58,547 |
| Median commission rate | 3.6% (36 plans) | 4.5% | 3.8% |
| Middle half of rates | 2.6% – 5.7% | 2.8% – 5.9% | 2.7% – 5.0% |
| Median broker pay per employer | $85,839 | $64,776 | $72,628 |
| Medical premium per covered person | $7,370 | $7,252 | $7,274 |
| Plans reporting no commission | 3 | 8 | 933 |
Year over year. In plan year 2023, 191 Kansas City employers reported $167M in premiums and $21M in broker pay for 256,218 participants; in 2024 it was $173M and $23M for 249,115 participants (premiums +3.9%, broker pay +9.6%).
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 Kansas City employers pay health insurance brokers?
184 Kansas City employers reported $22,845,915 in broker commissions and fees on their 2024 Form 5500 filings, 167 of them disclosing at least some compensation. Among 36 commission-paying, fully insured medical plans, the median broker rate was 3.6% of premium, 0.9 points below the Missouri median of 4.5% and 0.1 points below the U.S. median of 3.8%. In dollars, the median Kansas City employer that disclosed broker pay reported $85,839.
Which Kansas City employers have the largest health plans?
By insurance premium reported for 2024, Polsinelli ($32M), Spencer Fane LLP ($12M), Stinson LLP ($10M) lead. 25 Kansas 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 Kansas City?
By compensation reported by Kansas City employers, the largest brokers are Lockton ($6.2M, 48 plans), Bukaty Companies ($2.5M, 25 plans), CBIZ ($2.2M, 18 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of Kansas City, Bluecross Blueshield of KC, Cigna Health and Life Insurance Company.
Are Kansas City employer health plans self-funded or fully insured?
Of 184 Kansas City employer plans, 56 are fully insured, 57 are self-funded and 71 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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