Amherst, New York employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
18 employers in Amherst, New York filed health plans with 100 or more participants for plan year 2024, covering 9,986 participants. They reported $12M in insurance premiums and $1.1M in broker commissions and fees. Against 2023, premiums were up 1.0% and broker pay fell 7.9%.
Funding: 4 fully insured · 6 self-funded · 8 mixed. 14 of 18 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Amherst
Amherst 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 Amherst employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Lawley | $483,847 | 7 |
| Mercer | $121,367 | 2 |
| AssuredPartners | $113,560 | 1 |
| Walsh Duffield Companies Inc. | $109,395 | 2 |
| Gallagher | $66,533 | 2 |
| Robert G Relph Agency Inc | $47,183 | 1 |
| Gis Benefits Inc | $29,789 | 1 |
| Premier Consulting Partners | $17,233 | 1 |
| Walsh Duffield Co., Inc. | $15,003 | 1 |
| Acrisure | $14,494 | 1 |
Largest medical carriers
Medical premium written for these employers.
Amherst against New York 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.
| Amherst | New York | United States | |
|---|---|---|---|
| Employer plans | 18 | 3,508 | 58,547 |
| Median commission rate | n/a | 3.7% | 3.8% |
| Middle half of rates | n/a | 2.9% – 4.3% | 2.7% – 5.0% |
| Median broker pay per employer | $73,609 | $85,893 | $72,628 |
| Medical premium per covered person | n/a | $10,907 | $7,274 |
| Plans reporting no commission | 0 | 28 | 933 |
Year over year. In plan year 2023, 17 Amherst employers reported $12M in premiums and $1.2M in broker pay for 10,502 participants; in 2024 it was $12M and $1.1M for 9,986 participants (premiums +1.0%, broker pay −7.9%).
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 Amherst employers pay health insurance brokers?
18 Amherst employers reported $1,089,666 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 Amherst reported premium to compute a stable commission rate; the New York median is 3.7% and the U.S. median is 3.8%. In dollars, the median Amherst employer that disclosed broker pay reported $73,609.
Which Amherst employers have the largest health plans?
By insurance premium reported for 2024, Daemen University ($5.2M), International Imaging Materials, Inc. ($3.5M), Dent Neurologic Group LLP ($2.9M) lead. 18 Amherst employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Amherst?
By compensation reported by Amherst employers, the largest brokers are Lawley ($483,847, 7 plans), Mercer ($121,367, 2 plans), AssuredPartners ($113,560, 1 plans). By medical premium, the largest carriers are Univera Healthcare, Highmark Western and Northeastern New York Inc., Blue Care Network of Michigan.
Are Amherst employer health plans self-funded or fully insured?
Of 18 Amherst employer plans, 4 are fully insured, 6 are self-funded and 8 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 York
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