Manchester, New Hampshire employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
35 employers in Manchester, New Hampshire filed health plans with 100 or more participants for plan year 2024, covering 33,719 participants. They reported $4.7M in insurance premiums and $2.4M in broker commissions and fees. Against 2023, premiums were down 4.7% and broker pay fell 24.6%.
Funding: 6 fully insured · 19 self-funded · 10 mixed. 29 of 35 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Manchester
Manchester employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| McLane Middleton, Professional Association | $3,241,827 | $80,012 | 176 | Cronin & Gervino Insurance |
| Northern New England Benefit Trust dba Allegiant Care | $1,365,800 | $220,594 | 17,799 | John Scott Nicolas |
| Waypoint | $47,113 | $16,522 | 180 | Cronin Gervino & Warlick, Inc. |
| Catholic Medical Center | $0 | $83,006 | 2,467 | Lockton |
| Inland Technologies International | $0 | $57,296 | 1,618 | Cross Benefit Solutions |
| CMG Cit Acquisition, LLC | $0 | $305,103 | 1,192 | Lockton |
| Easterseals of NH and VT | $0 | $307,693 | 1,159 | Granite Group Benefits an Alera Gro |
| Deka Research & Development Corp. | $0 | $2,306 | 713 | Marsh McLennan Agency |
| Natural Partners, LLC | $0 | $7,490 | 699 | Alliant Insurance Services |
| Velcro USA Inc | $0 | $2,382 | 692 | James Kinney |
| Allegro Microsystems, LLC | $0 | $21,648 | 666 | Marsh McLennan Agency |
| Surge Resources, Inc. | $0 | — | 647 | — |
| Summit Packaging Systems, LLC | $0 | $23,850 | 546 | Jennifer A. Borislow Ins Agcy, Inc. |
| Riverstone Resources LLC | $0 | $101,541 | 471 | HUB International |
| Saint Anselm College | $0 | $57,338 | 464 | Hays Companies |
| Keller Companies, Inc. | $0 | $65,111 | 400 | Cronin Gervino & Warlick, Inc. |
| Mental Health Center of Greater Manchester | $0 | $189,861 | 391 | Cgi Business Solutions |
| ST. Mary's Bank | $0 | $32,505 | 285 | Neebco |
| Orchard Medical Management, LLC | $0 | $143,007 | 264 | New England Employee Benefits Co |
| Southern New Hampshire Services, Inc. | $0 | $11,776 | 256 | HUB International |
| Manchester Police Relief Association | $0 | — | 253 | — |
| New Hampshire Catholic Charities | $0 | $138,355 | 245 | Cgi Business Solutions |
| Moore Center Services, Inc. | $0 | $33,070 | 229 | Cronin & Gervino Insurance |
| Amoskeag Health | $0 | — | 214 | — |
| Metro Walls, Inc. | $0 | $16,027 | 211 | Gallagher |
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 Manchester employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Cgi Business Solutions | $576,585 | 6 |
| Lockton | $383,364 | 2 |
| Granite Group Benefits an Alera | $260,505 | 1 |
| John Scott Nicolas | $220,594 | 1 |
| Cronin Gervino & Warlick, Inc. | $152,222 | 5 |
| New England Employee Benefits Co | $116,056 | 2 |
| Cronin & Gervino Insurance | $112,003 | 2 |
| Jennifer A. Borislow Ins Agency Inc | $80,706 | 1 |
| HUB International | $76,306 | 2 |
| Cross Benefit Solutions | $57,296 | 1 |
Largest medical carriers
Medical premium written for these employers.
Manchester 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.
| Manchester | New Hampshire | United States | |
|---|---|---|---|
| Employer plans | 35 | 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 | $57,338 | $63,662 | $72,628 |
| Medical premium per covered person | n/a | n/a | $7,274 |
| Plans reporting no commission | 1 | 1 | 933 |
Year over year. In plan year 2023, 39 Manchester employers reported $4.9M in premiums and $3.2M in broker pay for 32,795 participants; in 2024 it was $4.7M and $2.4M for 33,719 participants (premiums −4.7%, broker pay −24.6%).
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 Manchester employers pay health insurance brokers?
35 Manchester employers reported $2,411,237 in broker commissions and fees on their 2024 Form 5500 filings, 31 of them disclosing at least some compensation. Too few fully insured medical plans in Manchester 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 Manchester employer that disclosed broker pay reported $57,338.
Which Manchester employers have the largest health plans?
By insurance premium reported for 2024, McLane Middleton, Professional Association ($3.2M), Northern New England Benefit Trust dba Allegiant Care ($1.4M), Waypoint ($47,113) lead. 25 Manchester employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Manchester?
By compensation reported by Manchester employers, the largest brokers are Cgi Business Solutions ($576,585, 6 plans), Lockton ($383,364, 2 plans), Granite Group Benefits an Alera ($260,505, 1 plans). By medical premium, the largest carriers are Cigna Health and Life Insurance Company, Blue Cross Blue Shield of Massachusetts, Inc., HPHC Insurance Company.
Are Manchester employer health plans self-funded or fully insured?
Of 35 Manchester employer plans, 6 are fully insured, 19 are self-funded and 10 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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