St. Louis, Missouri employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
295 employers in St. Louis, Missouri filed health plans with 100 or more participants for plan year 2024, covering 663,253 participants. They reported $15M in insurance premiums and $35M in broker commissions and fees. Against 2023, premiums were down 50.6% and broker pay rose 8.3%.
Funding: 56 fully insured · 134 self-funded · 105 mixed. 239 of 295 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in St. Louis
St. Louis employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Bunzl Distribution USA, LLC | $3,874,598 | $857,893 | 5,563 | Lockton |
| Clayco, Inc. | $1,862,234 | $72,669 | 2,140 | Aon |
| Belden Inc. | $1,574,491 | $284,991 | 2,598 | Willis Towers Watson |
| Missouri Historical Society | $1,155,028 | — | 136 | — |
| Carevet Holdings, LLC | $1,089,181 | $470,593 | 2,514 | Lockton |
| Bayer Corporation C/O HR Operations Department | $1,087,112 | $575,304 | 27,933 | Willis Towers Watson |
| Empowerme Holdings, LLC | $1,005,439 | $572,299 | 1,177 | Lockton |
| Horner & Shifrin Employee Benefits Plan | $655,052 | $120,372 | 279 | Cigna Health and Life Insurance Com |
| World Wide Technology Holding Co, LLC | $482,415 | $262,763 | 8,173 | Willis Towers Watson |
| McCormack Baron Salazar, Inc. | $396,944 | $234,586 | 713 | Lockton |
| Webster University | $335,618 | $90,857 | 558 | Marsh McLennan Agency |
| Caleres, Inc. | $300,114 | $28,159 | 2,532 | Aon |
| Saint Louis University | $207,137 | $189,276 | 2,430 | Aon |
| Anheuser-Busch Companies, LLC | $117,300 | $417,251 | 9,583 | Custom Benefit Programs Inc |
| Epworth Children & Family Services, Inc. | $109,764 | $13,189 | 106 | OneDigital |
| John Volpi and Company | $108,423 | $30,476 | 243 | Marsh McLennan Agency |
| MCC Holding Company LLC | $101,986 | $115,128 | 1,121 | Custom Benefit Programs Inc |
| TKC Holdings, Inc. | $81,794 | $1,924,604 | 5,349 | Aon |
| SSM Health Care | $74,395 | $603,349 | 38,744 | Strategic Non-Medical Solutions LLC |
| Onderlaw, LLC | $70,068 | $54,413 | 147 | Lockton |
| Swank Motion Pictures, Inc. | $58,373 | $100,092 | 192 | Lockton |
| TKFC, LC | $56,043 | $9,230 | 132 | IMA Financial |
| Industrial Control Concepts, Inc. | $52,857 | $13,657 | 121 | Wilson Albers an Alera Group Agency |
| DR. Brown's Company | $51,450 | $159,073 | 184 | Terry J Bolin |
| Peabody Investments Corp. | $38,116 | $3,811 | 3,222 | Willis Towers Watson |
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. Louis employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Lockton | $6,856,400 | 55 |
| Marsh McLennan Agency | $3,255,257 | 37 |
| Aon | $2,394,805 | 17 |
| Willis Towers Watson | $2,223,699 | 15 |
| AssuredPartners | $1,867,141 | 23 |
| OneDigital | $1,364,426 | 23 |
| Gallagher | $1,315,860 | 10 |
| USI Insurance Services | $1,031,886 | 17 |
| Mercer | $818,223 | 12 |
| American Benefits & Comp Systems | $744,637 | 1 |
Largest medical carriers
Medical premium written for these employers.
St. Louis 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. Louis | Missouri | United States | |
|---|---|---|---|
| Employer plans | 295 | 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 | $58,718 | $64,776 | $72,628 |
| Medical premium per covered person | n/a | $7,252 | $7,274 |
| Plans reporting no commission | 2 | 8 | 933 |
Year over year. In plan year 2023, 293 St. Louis employers reported $31M in premiums and $32M in broker pay for 676,441 participants; in 2024 it was $15M and $35M for 663,253 participants (premiums −50.6%, broker pay +8.3%).
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. Louis employers pay health insurance brokers?
295 St. Louis employers reported $34,887,542 in broker commissions and fees on their 2024 Form 5500 filings, 266 of them disclosing at least some compensation. Too few fully insured medical plans in St. Louis 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. Louis employer that disclosed broker pay reported $58,718.
Which St. Louis employers have the largest health plans?
By insurance premium reported for 2024, Bunzl Distribution USA, LLC ($3.9M), Clayco, Inc. ($1.9M), Belden Inc. ($1.6M) lead. 25 St. Louis 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. Louis?
By compensation reported by St. Louis employers, the largest brokers are Lockton ($6.9M, 55 plans), Marsh McLennan Agency ($3.3M, 37 plans), Aon ($2.4M, 17 plans). By medical premium, the largest carriers are Cigna Health and Life Insurance Company, Triple S Salud, Inc., University Health Alliance.
Are St. Louis employer health plans self-funded or fully insured?
Of 295 St. Louis employer plans, 56 are fully insured, 134 are self-funded and 105 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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