Wilmington, North Carolina employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
32 employers in Wilmington, North Carolina filed health plans with 100 or more participants for plan year 2024, covering 16,864 participants. They reported $2.6M in insurance premiums and $4.9M in broker commissions and fees. Against 2023, premiums were up 0.5% and broker pay rose 11.5%.
Funding: 12 fully insured · 17 self-funded · 3 mixed. 20 of 32 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Wilmington
Wilmington employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Liberty Healthcare Management, Inc. | $1,802,553 | $850,724 | 4,366 | USI Insurance Services |
| Atlantic Corporation of Wilmington, Inc. | $569,543 | $381,862 | 992 | USI Insurance Services |
| Tribute Companies, Inc. | $129,906 | $105,850 | 261 | Griffin-Estep Benefit Group |
| Monteith Construction Corp | $81,453 | $124,562 | 125 | Henry Vance Estep |
| Reeds Jewelers, Inc. | $34,535 | $69,971 | 594 | AssuredPartners |
| Ncino, Inc. | $0 | $334,281 | 1,192 | Gallagher |
| Alcami Corporation | $0 | $186,600 | 1,053 | Optum |
| Live Oak Bancshares, Inc. | $0 | $141,795 | 1,006 | Marsh McLennan Agency |
| Wilmington Health, PLLC | $0 | $155,435 | 992 | Marsh McLennan Agency |
| Megacorp Logistics, LLC | $0 | $226,101 | 704 | USI Insurance Services |
| Coastal Horizons Center, Inc. | $0 | $247,563 | 592 | Robert Mark McLean |
| Coastal Beverage Company, Inc. | $0 | $64,896 | 522 | Marsh McLennan Agency |
| EMS Linq, Inc. | $0 | $318,118 | 434 | Wes Bartlett |
| Sonic Systems International, LLC | $0 | $132,318 | 434 | Lockton |
| South Atlantic, LLC | $0 | $193,368 | 318 | Gallagher |
| A Caring Heart Case Management Inc. | $0 | $53,421 | 309 | Marsh McLennan Agency |
| Apiture, Inc. | $0 | $111,108 | 306 | Marsh McLennan Agency |
| South Atlantic Services, Inc. | $0 | $128,397 | 275 | Ryan Wallace |
| Quality Chemical Laboratories, LLC | $0 | $114,896 | 270 | USI Insurance Services |
| Lower Cape Fear Hospice, Incorporated | $0 | $79,769 | 265 | Harold W Wells & Sons Inc |
| Polyquest, Inc. | $0 | $275,034 | 230 | Lisa Hamlett |
| Castle Branch, Inc. | $0 | $57,961 | 217 | Gallagher |
| S & S Services Group, LLC | $0 | $63,062 | 212 | OneDigital |
| Wilmington Eye, P.A. | $0 | $128,821 | 204 | Ellen Tucker |
| Cornelia Nixon Davis, Inc | $0 | $10,709 | 177 | Sherri Miller |
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 Wilmington employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| USI Insurance Services | $1,532,078 | 6 |
| Gallagher | $588,976 | 5 |
| Marsh McLennan Agency | $477,418 | 8 |
| Mosaic Group Services LLC | $245,742 | 13 |
| Wes Bartlett | $221,724 | 1 |
| Lisa Hamlett | $189,590 | 1 |
| Robert Mark McLean | $172,915 | 2 |
| OneDigital | $156,300 | 4 |
| Lockton | $121,441 | 2 |
| Griffin Estep Benefit | $107,955 | 2 |
Largest medical carriers
Medical premium written for these employers.
Wilmington 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.
| Wilmington | North Carolina | United States | |
|---|---|---|---|
| Employer plans | 32 | 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 | $113,002 | $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, 31 Wilmington employers reported $2.6M in premiums and $4.4M in broker pay for 17,403 participants; in 2024 it was $2.6M and $4.9M for 16,864 participants (premiums +0.5%, broker pay +11.5%).
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 Wilmington employers pay health insurance brokers?
32 Wilmington employers reported $4,852,145 in broker commissions and fees on their 2024 Form 5500 filings, 32 of them disclosing at least some compensation. Too few fully insured medical plans in Wilmington 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 Wilmington employer that disclosed broker pay reported $113,002.
Which Wilmington employers have the largest health plans?
By insurance premium reported for 2024, Liberty Healthcare Management, Inc. ($1.8M), Atlantic Corporation of Wilmington, Inc. ($569,543), Tribute Companies, Inc. ($129,906) lead. 25 Wilmington employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Wilmington?
By compensation reported by Wilmington employers, the largest brokers are USI Insurance Services ($1.5M, 6 plans), Gallagher ($588,976, 5 plans), Marsh McLennan Agency ($477,418, 8 plans). By medical premium, the largest carriers are Blue Cross and Blue Shield of North Carolina, Unitedhealthcare Insurance Company, Four Ever Life Ins Co..
Are Wilmington employer health plans self-funded or fully insured?
Of 32 Wilmington employer plans, 12 are fully insured, 17 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 North Carolina
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