St. Charles, Missouri employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
21 employers in St. Charles, Missouri filed health plans with 100 or more participants for plan year 2024, covering 25,158 participants. They reported $1.1M in insurance premiums and $1.8M in broker commissions and fees. Against 2023, premiums were up 1.1% and broker pay rose 15.1%.
Funding: 6 fully insured · 9 self-funded · 6 mixed. 15 of 21 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in St. Charles
St. Charles employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| American Industrial Transport, Inc | $912,480 | $60,855 | 822 | NFP |
| National Cart Co., LLC | $113,946 | $32,953 | 273 | Mercer |
| Youth in Need, Inc | $27,267 | $5,370 | 272 | OneDigital |
| Eldercare Management Services, Inc. | $0 | $141,027 | 16,881 | OneDigital |
| Arrow Senior Living Management, LLC | $0 | $574,450 | 1,511 | Marsh McLennan Agency |
| Lmi Aerospace, Inc. | $0 | $86,510 | 1,080 | Lockton |
| Tri-National, Inc. | $0 | $121,501 | 991 | Jennon M. Caruth |
| Lindenwood University | $0 | — | 509 | — |
| Emmaus Homes, Inc. | $0 | $9,621 | 478 | Lockton |
| Executive Personal Computers, Inc. | $0 | $81,556 | 402 | Caravus LLC |
| Distribution Management, Inc. | $0 | $49,421 | 337 | Gallagher |
| Natoli Engineering Company, Inc. | $0 | $103,710 | 264 | Charles L. Crane Agency |
| Craftsmen Industries Inc. | $0 | $77,779 | 191 | AssuredPartners |
| Milestone Services Company LLC | $0 | — | 175 | The Bremmer Group LLC |
| First State Bank of ST. Charles | $0 | $61,199 | 171 | The Daniel & Henry Company |
| Propper International Sales, Inc. | $0 | $70,925 | 154 | RSC Insurance Brokerage, Inc. |
| Patriot Machine Inc | $0 | $51,130 | 151 | Sunstar Insurance Group |
| Wholesale Plumbing Supply Co. | $0 | $112,020 | 132 | Gallagher |
| Craftsmen Transportation Services, LLC | $0 | $76,084 | 130 | AssuredPartners |
| Millstone Weber, LLC | $0 | $18,151 | 118 | USI Insurance Services |
| Chemtron Supply LLC | $0 | $77,521 | 116 | NFP |
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. Charles employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Marsh McLennan Agency | $355,909 | 1 |
| Eoi Service Company, Inc. | $164,659 | 1 |
| AssuredPartners | $142,097 | 2 |
| Gallagher | $132,638 | 2 |
| OneDigital | $129,301 | 4 |
| Lockton | $117,491 | 3 |
| Charles L Crane Agency Co | $102,449 | 1 |
| RSC Insurance Brokerage, Inc. | $70,663 | 2 |
| Jennon M Caruth | $67,343 | 1 |
| Caravus LLC | $65,619 | 1 |
Largest medical carriers
Medical premium written for these employers.
St. Charles 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.
| St. Charles | 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 | $76,084 | $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, 20 St. Charles employers reported $1.0M in premiums and $1.6M in broker pay for 8,669 participants; in 2024 it was $1.1M and $1.8M for 25,158 participants (premiums +1.1%, broker pay +15.1%).
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 St. Charles employers pay health insurance brokers?
21 St. Charles employers reported $1,811,783 in broker commissions and fees on their 2024 Form 5500 filings, 19 of them disclosing at least some compensation. Too few fully insured medical plans in St. Charles 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 St. Charles employer that disclosed broker pay reported $76,084.
Which St. Charles employers have the largest health plans?
By insurance premium reported for 2024, American Industrial Transport, Inc ($912,480), National Cart Co., LLC ($113,946), Youth in Need, Inc ($27,267) lead. 21 St. Charles 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. Charles?
By compensation reported by St. Charles employers, the largest brokers are Marsh McLennan Agency ($355,909, 1 plans), Eoi Service Company, Inc. ($164,659, 1 plans), AssuredPartners ($142,097, 2 plans). By medical premium, the largest carriers are Cigna Health and Life Insurance Company, Healthy Alliance Life Insurance Company, Unitedhealthcare Insurance Company.
Are St. Charles employer health plans self-funded or fully insured?
Of 21 St. Charles employer plans, 6 are fully insured, 9 are self-funded and 6 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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