Concord, New Hampshire employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
19 employers in Concord, New Hampshire filed health plans with 100 or more participants for plan year 2024, covering 8,563 participants. They reported $1.9M in insurance premiums and $1.1M in broker commissions and fees. Against 2023, premiums were up 5.7% and broker pay fell 11.0%.
Funding: 3 fully insured · 9 self-funded · 7 mixed. 16 of 19 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Concord
Concord employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Granite State Independent Living | $1,057,667 | $64,479 | 100 | Cronin & Gervino Insurance |
| New Hampshire Bankers Association Insurance Trust | $782,954 | $116,013 | 536 | New Hampshire Bankers Services LLC |
| Community Action Program - Belknap Merrimack Counties Inc. | $107,066 | $54,669 | 168 | Cross Insurance |
| Concord Hospital | $0 | $186,207 | 3,484 | HUB International |
| The Granite Group Wholesalers, LLC | $0 | $27,814 | 653 | Cross Benefit Solutions |
| New Hampshire Mutual Bancorp | $0 | $48,751 | 499 | IMA Financial |
| ST. Paul's School | $0 | $12,813 | 482 | Cronin Gervino and Warlick Inc. |
| Granite Bay Care, Inc. | $0 | $119,193 | 337 | Clark Insurance |
| Riverbend Community Mental Health | $0 | $127,623 | 317 | Jennifer A. Borislow Agency Inc |
| Granite Vna | $0 | $43,157 | 271 | New England Employee Benefits Co |
| Concord Orthopaedics Professional Association | $0 | $16,338 | 267 | Lockton |
| Delta Dental Plan of New Hampshire, Inc. | $0 | $125,450 | 266 | Cgi Business Solutions |
| Community Bridges, Inc. | $0 | $1,473 | 247 | Jennifer A. Borislow Agency Inc |
| United Church of Christ Retirement Community | $0 | $69,372 | 197 | Cgi Business Solutions |
| Banks Chevrolet Cadillac Inc. | $0 | $39,536 | 188 | Cross Insurance |
| Concord Coach Lines, Inc | $0 | $1,480 | 161 | Cronin Gervino & Warlick, Inc. |
| Landvest, Inc. | $0 | $5,663 | 160 | Clark Insurance |
| Keystone Management | $0 | — | 125 | — |
| Newspapers of New England, Inc. | $0 | $29,762 | 105 | The Richards Group |
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 Concord employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| HUB International | $186,563 | 2 |
| Cgi Business Solutions | $145,958 | 2 |
| Jennifer A. Borislow Agency Inc | $128,675 | 2 |
| Clark Insurance | $104,899 | 2 |
| Cross Insurance | $95,988 | 3 |
| The Richards Group | $70,903 | 2 |
| New Hampshire Bankers Services LLC | $68,106 | 1 |
| Cronin & Gervino Insurance | $64,479 | 1 |
| New England Employee Benefits Co | $43,156 | 1 |
| Cronin Gervino & Warlick, Inc. | $43,151 | 4 |
Largest medical carriers
Medical premium written for these employers.
Concord against New Hampshire 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.
| Concord | New Hampshire | United States | |
|---|---|---|---|
| Employer plans | 19 | 274 | 58,547 |
| Median commission rate | n/a | 4.4% | 3.8% |
| Middle half of rates | n/a | 2.4% – 5.1% | 2.7% – 5.0% |
| Median broker pay per employer | $45,954 | $63,662 | $72,628 |
| Medical premium per covered person | n/a | n/a | $7,274 |
| Plans reporting no commission | 0 | 1 | 933 |
Year over year. In plan year 2023, 21 Concord employers reported $1.8M in premiums and $1.2M in broker pay for 8,927 participants; in 2024 it was $1.9M and $1.1M for 8,563 participants (premiums +5.7%, broker pay −11.0%).
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 Concord employers pay health insurance brokers?
19 Concord employers reported $1,089,793 in broker commissions and fees on their 2024 Form 5500 filings, 18 of them disclosing at least some compensation. Too few fully insured medical plans in Concord reported premium to compute a stable commission rate; the New Hampshire median is 4.4% and the U.S. median is 3.8%. In dollars, the median Concord employer that disclosed broker pay reported $45,954.
Which Concord employers have the largest health plans?
By insurance premium reported for 2024, Granite State Independent Living ($1.1M), New Hampshire Bankers Association Insurance Trust ($782,954), Community Action Program - Belknap Merrimack Counties Inc. ($107,066) lead. 19 Concord employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Concord?
By compensation reported by Concord employers, the largest brokers are HUB International ($186,563, 2 plans), Cgi Business Solutions ($145,958, 2 plans), Jennifer A. Borislow Agency Inc ($128,675, 2 plans). By medical premium, the largest carriers are Cigna Health and Life Insurance Company, HPHC Insurance Company, Harvard Pilgrim Health Care of Ne Inc - Ma.
Are Concord employer health plans self-funded or fully insured?
Of 19 Concord employer plans, 3 are fully insured, 9 are self-funded and 7 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 New Hampshire
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