Asheville, North Carolina employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
29 employers in Asheville, North Carolina filed health plans with 100 or more participants for plan year 2024, covering 28,288 participants. They reported $2.4M in insurance premiums and $2.2M in broker commissions and fees. Against 2023, premiums were down 13.4% and broker pay rose 2.4%.
Funding: 2 fully insured · 19 self-funded · 8 mixed. 27 of 29 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Asheville
Asheville employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Biltmore Workforce Management, LLC | $788,686 | $28,790 | 1,094 | Ebenconcepts Company |
| Pine Gate Renewables, LLC | $642,485 | $275,772 | 1,208 | Gallagher |
| Allergy Partners, PLLC | $247,161 | $24,466 | 365 | Gallagher |
| Allergy Partners Management LLC | $179,931 | $19,210 | 325 | Marsh McLennan Agency |
| Avl Technologies | $140,521 | $55,030 | 222 | Hilb Group of North Carolina |
| Genova Diagnostics, Inc. | $129,519 | $3,349 | 277 | Lockton |
| Carolina Day School | $122,524 | $22,407 | 136 | James a Scott & Son Inc |
| McGill Associates, P.A. | $117,877 | $7,905 | 141 | — |
| Ingles Markets Incorporated | $0 | $269,682 | 14,415 | Integra Employer Health, LLC |
| Rha Health Services, LLC | $0 | $253,478 | 4,797 | Marsh McLennan Agency |
| Mountain Area Health Education Center | $0 | $172,364 | 882 | OneDigital |
| Aeroflow, Inc. | $0 | $289,808 | 692 | OneDigital |
| Pli Holdings, Inc. | $0 | $114,511 | 604 | OneDigital |
| Deerfield Episcopal Retirement Comm | $0 | $3,717 | 564 | USI Insurance Services |
| M. B. Haynes Corporation | $0 | $24,689 | 513 | Legacy Risk Solutions LLC |
| Digestive Health Partners, P.A. | $0 | $27,149 | 208 | Meltzer Group Inc |
| Warren Wilson College | $0 | $112,844 | 196 | Mission Employer Solutions |
| Tupelo Honey Cafe | $0 | $75,342 | 166 | Sean Northup |
| YMCA of Western North Carolina | $0 | $21,533 | 162 | OneDigital |
| Dave Steel Company, Inc. | $0 | $42,302 | 161 | USI Insurance Services |
| Brumit Restaurant Group, LLC. | $0 | $62,377 | 151 | Kimberly White |
| Afg Distribution, Inc. | $0 | $51,151 | 140 | Sean Michelsen |
| Bluewest Opportunities, Inc. | $0 | $17,730 | 134 | Gallagher |
| Mills Manufacturing Corporation | $0 | $4,447 | 134 | Integra Employer Health LLC |
| Eliada Homes, Inc. | $0 | $9,299 | 130 | Hilb Group of North Carolina, LLC |
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 Asheville employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| OneDigital | $478,443 | 6 |
| Marsh McLennan Agency | $278,297 | 5 |
| Integra Employer Health LLC | $273,326 | 2 |
| Gallagher | $212,083 | 6 |
| Ebenconcepts Company | $149,540 | 2 |
| Mission Employer Solutions | $94,136 | 1 |
| Hilb Group of New England | $81,993 | 2 |
| Centro Benefits Research LLC | $60,263 | 2 |
| Dale Moore | $55,252 | 1 |
| Hilb Group of North Carolina | $49,166 | 2 |
Largest medical carriers
Medical premium written for these employers.
Asheville against North Carolina 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.
| Asheville | North Carolina | United States | |
|---|---|---|---|
| Employer plans | 29 | 1,587 | 58,547 |
| Median commission rate | n/a | 4.5% | 3.8% |
| Middle half of rates | n/a | 2.8% – 7.0% | 2.7% – 5.0% |
| Median broker pay per employer | $42,302 | $64,516 | $72,628 |
| Medical premium per covered person | n/a | $5,949 | $7,274 |
| Plans reporting no commission | 0 | 12 | 933 |
Year over year. In plan year 2023, 33 Asheville employers reported $2.7M in premiums and $2.1M in broker pay for 26,188 participants; in 2024 it was $2.4M and $2.2M for 28,288 participants (premiums −13.4%, broker pay +2.4%).
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 Asheville employers pay health insurance brokers?
29 Asheville employers reported $2,191,341 in broker commissions and fees on their 2024 Form 5500 filings, 29 of them disclosing at least some compensation. Too few fully insured medical plans in Asheville reported premium to compute a stable commission rate; the North Carolina median is 4.5% and the U.S. median is 3.8%. In dollars, the median Asheville employer that disclosed broker pay reported $42,302.
Which Asheville employers have the largest health plans?
By insurance premium reported for 2024, Biltmore Workforce Management, LLC ($788,686), Pine Gate Renewables, LLC ($642,485), Allergy Partners, PLLC ($247,161) lead. 25 Asheville employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Asheville?
By compensation reported by Asheville employers, the largest brokers are OneDigital ($478,443, 6 plans), Marsh McLennan Agency ($278,297, 5 plans), Integra Employer Health LLC ($273,326, 2 plans). By medical premium, the largest carriers are Blue Cross and Blue Shield of North Carolina, Unitedhealthcare Insurance Company, Metropolitan Life Insurance Company.
Are Asheville employer health plans self-funded or fully insured?
Of 29 Asheville employer plans, 2 are fully insured, 19 are self-funded and 8 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 North Carolina
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