St. Joseph, Missouri employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
15 employers in St. Joseph, Missouri filed health plans with 100 or more participants for plan year 2024, covering 10,474 participants. They reported $5.6M in insurance premiums and $2.2M in broker commissions and fees. Against 2023, premiums were down 14.4% and broker pay rose 33.9%.
Funding: 2 fully insured · 10 self-funded · 3 mixed. 13 of 15 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in St. Joseph
St. Joseph employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Gray Manufacturing Co., Inc. | $2,925,421 | $62,723 | 246 | Holmes Murphy |
| American Angus Association | $1,603,849 | $695,354 | 132 | Brown & Brown |
| Mosaic Health System | $454,506 | $590,795 | 3,264 | Lockton |
| Board of Trustees Plumbers Welfare Fund | $391,859 | $31,854 | 170 | The Segal Company |
| Herzog Contracting Corporation | $239,368 | $417,869 | 2,527 | IMA Financial |
| Berks-St Hold Co, LLC | $32,339 | $56,452 | 312 | Lockton |
| Triumph Foods, LLC | $0 | $58,429 | 1,621 | Brown & Brown |
| Hillyard, Inc. | $0 | $28,446 | 539 | Willis Towers Watson |
| News-Press & Gazette Company | $0 | $6,924 | 501 | Lockton |
| BMS Logistics, Inc. | $0 | $43,267 | 305 | HUB International |
| Imko Workforce Solutions | $0 | — | 254 | — |
| Family Guidance Center for Behavioral Healthcare | $0 | $53,451 | 180 | Acrisure |
| Lifeline Foods, LLC | $0 | $80,659 | 166 | AssuredPartners |
| Hillyard Industries, Inc. | $0 | $8,216 | 130 | Lockton |
| I & M Machine Fabrication | $0 | $35,185 | 127 | HUB International |
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. Joseph employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Brown & Brown | $738,790 | 2 |
| Lockton | $479,731 | 5 |
| IMA Financial | $417,869 | 1 |
| Bcinsourcing, LLC | $163,427 | 1 |
| HUB International | $78,452 | 2 |
| AssuredPartners | $75,047 | 1 |
| Holmes Murphy | $62,723 | 1 |
| Acrisure | $40,152 | 1 |
| The Segal Company | $31,854 | 1 |
| Mark Stephen Mettille | $19,899 | 1 |
Largest medical carriers
Medical premium written for these employers.
St. Joseph 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. Joseph | Missouri | United States | |
|---|---|---|---|
| Employer plans | 15 | 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 | $54,952 | $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, 15 St. Joseph employers reported $6.6M in premiums and $1.6M in broker pay for 9,995 participants; in 2024 it was $5.6M and $2.2M for 10,474 participants (premiums −14.4%, broker pay +33.9%).
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. Joseph employers pay health insurance brokers?
15 St. Joseph employers reported $2,169,624 in broker commissions and fees on their 2024 Form 5500 filings, 14 of them disclosing at least some compensation. Too few fully insured medical plans in St. Joseph 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. Joseph employer that disclosed broker pay reported $54,952.
Which St. Joseph employers have the largest health plans?
By insurance premium reported for 2024, Gray Manufacturing Co., Inc. ($2.9M), American Angus Association ($1.6M), Mosaic Health System ($454,506) lead. 15 St. Joseph 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. Joseph?
By compensation reported by St. Joseph employers, the largest brokers are Brown & Brown ($738,790, 2 plans), Lockton ($479,731, 5 plans), IMA Financial ($417,869, 1 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of Kansas City, Cigna Health and Life Insurance Company.
Are St. Joseph employer health plans self-funded or fully insured?
Of 15 St. Joseph employer plans, 2 are fully insured, 10 are self-funded and 3 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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