Reno, Nevada employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
62 employers in Reno, Nevada filed health plans with 100 or more participants for plan year 2024, covering 65,516 participants. They reported $3.4M in insurance premiums and $6.4M in broker commissions and fees. Against 2023, premiums were down 54.6% and broker pay fell 4.6%.
Funding: 29 fully insured · 21 self-funded · 12 mixed. 33 of 62 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Reno
Reno employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
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 Reno employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| AssuredPartners | $830,259 | 11 |
| Gallagher | $453,379 | 1 |
| Piper Jordan Health & Ben. Partners | $435,598 | 1 |
| Eoi Service Company, Inc. | $394,735 | 1 |
| Stealth Partner Group LLC | $342,287 | 1 |
| Aon | $252,385 | 3 |
| Lockton | $245,419 | 4 |
| Clark Insurance | $218,679 | 2 |
| Marian E. Bryant | $181,556 | 1 |
| Sequoia | $136,508 | 2 |
Largest medical carriers
Medical premium written for these employers.
Reno against Nevada 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.
| Reno | Nevada | United States | |
|---|---|---|---|
| Employer plans | 62 | 381 | 58,547 |
| Median commission rate | n/a | 8.8% | 3.8% |
| Middle half of rates | n/a | 8.6% – 8.9% | 2.7% – 5.0% |
| Median broker pay per employer | $53,173 | $78,590 | $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, 60 Reno employers reported $7.4M in premiums and $6.7M in broker pay for 63,701 participants; in 2024 it was $3.4M and $6.4M for 65,516 participants (premiums −54.6%, broker pay −4.6%).
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 Reno employers pay health insurance brokers?
62 Reno employers reported $6,382,537 in broker commissions and fees on their 2024 Form 5500 filings, 60 of them disclosing at least some compensation. Too few fully insured medical plans in Reno reported premium to compute a stable commission rate; the Nevada median is 8.8% and the U.S. median is 3.8%. In dollars, the median Reno employer that disclosed broker pay reported $53,173.
Which Reno employers have the largest health plans?
By insurance premium reported for 2024, Renown Health ($2.3M), Peppermill Casino, Inc. ($383,697), Monarch Casino & Resort, Inc. ($199,278) lead. 25 Reno employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Reno?
By compensation reported by Reno employers, the largest brokers are AssuredPartners ($830,259, 11 plans), Gallagher ($453,379, 1 plans), Piper Jordan Health & Ben. Partners ($435,598, 1 plans). By medical premium, the largest carriers are Aetna Life Insurance Company, Hometown Health, Kaiser Foundation Health Plan, Inc..
Are Reno employer health plans self-funded or fully insured?
Of 62 Reno employer plans, 29 are fully insured, 21 are self-funded and 12 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 Nevada
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