Chapel Hill, North Carolina employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
16 employers in Chapel Hill, North Carolina filed health plans with 100 or more participants for plan year 2024, covering 6,382 participants. They reported $0 in insurance premiums and $945,179 in broker commissions and fees. Against 2023, premiums were unchanged and broker pay fell 6.7%.
Funding: 2 fully insured · 10 self-funded · 4 mixed. 14 of 16 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Chapel Hill
Chapel Hill employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Center for International Education, Inc. dba Participate Learning | $0 | $15,164 | 2,330 | Marsh McLennan Agency |
| Armacell LLC | $0 | $145,143 | 744 | Alterity Group LLC |
| Investors Title Company and Affiliates | $0 | $41,215 | 574 | Gallagher |
| Piedmont Health Services | $0 | $120,140 | 518 | Marsh McLennan Agency |
| Guilford Specialty Group, Inc. | $0 | $165,353 | 312 | Marsh McLennan Agency |
| Carolina Meadows, Inc | $0 | $84,581 | 253 | Lockton |
| Chapel Hill Residential Retirement Center, Inc. | $0 | $37,777 | 229 | Gallagher |
| The Cedars of Chapel Hill Club, Inc. | $0 | $89,252 | 216 | John W Wooten |
| Ot Growth Partners | $0 | $30,019 | 204 | Joseph Agnello |
| Well Dot, Inc. | $0 | $35,170 | 177 | Marsh McLennan Agency |
| Tradepending, LLC | $0 | $57,133 | 175 | Harris Cole JR |
| Key Dental Management Solutions, Inc. | $0 | $57,498 | 149 | Daniel Odorizzi |
| Residential Services, Inc. | $0 | $18,182 | 148 | HUB International |
| Cdata Software, Inc. | $0 | $14,657 | 143 | USI Insurance Services |
| American Board of Pediatrics, Inc. | $0 | $33,895 | 109 | Frank Woody Iii |
| Chapel Hill Tire Company, Inc. | $0 | — | 101 | — |
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 Chapel Hill employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Marsh McLennan Agency | $325,041 | 5 |
| Alterity Group LLC | $94,313 | 1 |
| Gallagher | $78,946 | 2 |
| Lockton | $72,511 | 2 |
| John W Wooten | $61,862 | 1 |
| Daniel Odorizzi | $52,644 | 1 |
| Willis Towers Watson | $46,228 | 1 |
| Mosaic Group Services LLC | $35,542 | 3 |
| Frank Woody, Iii | $33,895 | 1 |
| Joseph Agnello | $19,808 | 1 |
Largest medical carriers
Medical premium written for these employers.
Chapel Hill 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.
| Chapel Hill | North Carolina | United States | |
|---|---|---|---|
| Employer plans | 16 | 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 | $41,215 | $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, 16 Chapel Hill employers reported $1.4M in premiums and $1.0M in broker pay for 6,184 participants; in 2024 it was $0 and $945,179 for 6,382 participants (broker pay −6.7%).
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 Chapel Hill employers pay health insurance brokers?
16 Chapel Hill employers reported $945,179 in broker commissions and fees on their 2024 Form 5500 filings, 15 of them disclosing at least some compensation. Too few fully insured medical plans in Chapel Hill 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 Chapel Hill employer that disclosed broker pay reported $41,215.
Which Chapel Hill employers have the largest health plans?
By insurance premium reported for 2024, Center for International Education, Inc. dba Participate Learning ($0), Armacell LLC ($0), Investors Title Company and Affiliates ($0) lead. 16 Chapel Hill employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Chapel Hill?
By compensation reported by Chapel Hill employers, the largest brokers are Marsh McLennan Agency ($325,041, 5 plans), Alterity Group LLC ($94,313, 1 plans), Gallagher ($78,946, 2 plans). By medical premium, the largest carriers are Blue Cross and Blue Shield of North Carolina, Cigna Health and Life Insurance Company.
Are Chapel Hill employer health plans self-funded or fully insured?
Of 16 Chapel Hill employer plans, 2 are fully insured, 10 are self-funded and 4 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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