Garden City, New York employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
17 employers in Garden City, New York filed health plans with 100 or more participants for plan year 2024, covering 6,745 participants. They reported $681,331 in insurance premiums and $1.5M in broker commissions and fees. Against 2023, premiums were up 91.8% and broker pay fell 7.9%.
Funding: 6 fully insured · 4 self-funded · 7 mixed. 11 of 17 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Garden City
Garden City employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Lifetime Brands, Inc. | $324,880 | $83,004 | 948 | Brown & Brown |
| The Corporate Source, Inc. | $268,704 | $136,175 | 160 | AssuredPartners |
| Tritech Communications, Inc. | $79,513 | $136,006 | 208 | Gallagher |
| Sid Harvey Industries, Inc. | $8,234 | $4,493 | 551 | Kinloch Consulting Group Inc |
| Spectrum Vision Partners | $0 | $267,545 | 1,197 | EPIC Insurance Brokers |
| Gulf Reserve LLC | $0 | $37,896 | 932 | Spetner Associates, Inc. |
| Adelphi University | $0 | — | 443 | — |
| Life's Worc, Inc. | $0 | $22,830 | 414 | Johnson Kendall and Johnson |
| Emo Trans Inc | $0 | $161,810 | 331 | HUB International |
| Eac, Inc. Eac Network | $0 | $76,989 | 310 | Corporate Synergies |
| Janel Group Inc. | $0 | $145,759 | 278 | A.M. Insurance Group |
| Cullen and Dykman LLP | $0 | $103,103 | 198 | Willis Towers Watson |
| Long Island Plastic Surgical Group, PC | $0 | $101,978 | 196 | Gallagher |
| Friedman Vartolo LLP | $0 | $79,101 | 177 | Eka Brokerage Services, Inc. |
| Moritt Hock & Hamroff LLP | $0 | $155,920 | 157 | Profile Benefits Inc |
| MSO Metro, LLC | $0 | — | 136 | — |
| Quest Service Group, LLC | $0 | $3,530 | 109 | World Insurance Associates |
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 Garden City employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Gallagher | $225,524 | 2 |
| EPIC Insurance Brokers | $192,193 | 1 |
| HUB International | $161,810 | 1 |
| A.M. Insurance Group, Inc. | $111,230 | 1 |
| Willis Towers Watson | $103,103 | 1 |
| AssuredPartners | $76,240 | 1 |
| Corporate Synergies | $74,133 | 2 |
| Profile Benefits Inc | $66,948 | 1 |
| Brown & Brown | $66,922 | 1 |
| Coporate Synergies Group LLC | $62,976 | 1 |
Largest medical carriers
Medical premium written for these employers.
Garden City 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.
| Garden City | New York | United States | |
|---|---|---|---|
| Employer plans | 17 | 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 | $101,978 | $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 Garden City employers reported $355,138 in premiums and $1.6M in broker pay for 6,379 participants; in 2024 it was $681,331 and $1.5M for 6,745 participants (premiums +91.8%, 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 Garden City employers pay health insurance brokers?
17 Garden City employers reported $1,516,139 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 Garden City 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 Garden City employer that disclosed broker pay reported $101,978.
Which Garden City employers have the largest health plans?
By insurance premium reported for 2024, Lifetime Brands, Inc. ($324,880), The Corporate Source, Inc. ($268,704), Tritech Communications, Inc. ($79,513) lead. 17 Garden City employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Garden City?
By compensation reported by Garden City employers, the largest brokers are Gallagher ($225,524, 2 plans), EPIC Insurance Brokers ($192,193, 1 plans), HUB International ($161,810, 1 plans). By medical premium, the largest carriers are MCS Life Insurance Company, Nippon Life Insurance Company of America, Unitedhealthcare Insurance Company.
Are Garden City employer health plans self-funded or fully insured?
Of 17 Garden City employer plans, 6 are fully insured, 4 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 York
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