Ithaca, New York employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
17 employers in Ithaca, New York filed health plans with 100 or more participants for plan year 2024, covering 25,151 participants. They reported $1.6M in insurance premiums and $2.2M in broker commissions and fees. Against 2023, premiums were up 198.5% and broker pay rose 0.2%.
Funding: 3 fully insured · 7 self-funded · 7 mixed. 14 of 17 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Ithaca
Ithaca employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Ongweoweh Corporation | $1,207,308 | $55,712 | 125 | Brown & Brown |
| Franziska Racker Centers, Inc | $181,452 | $183,416 | 475 | Consiliarium Group |
| Maguire Automotive LLC | $111,114 | $45,421 | 359 | Env Insurance Agency, LLC |
| Cornell University | $78,535 | $1,075,863 | 18,642 | Lockton |
| Greenstar Cooperative Market, Inc | $30,363 | $27,246 | 109 | Robert G Relph Agency, Inc. |
| Ithaca College | $0 | $51,999 | 1,349 | The Meltzer Group Inc |
| Tompkins Financial Corporation | $0 | $179,487 | 1,293 | Tompkins Insurance |
| Cayuga Medical Center at Ithaca | $0 | $649 | 1,029 | Mercer |
| Cayuga Medical Associates, P.C. | $0 | $48,155 | 508 | James R. Nelligan and Associates |
| Trustees of Laborers Local 785 Welfare Fund | $0 | $58,758 | 302 | — |
| Cfcu Community Credit Union | $0 | $106,378 | 227 | Brown & Brown |
| IBEW Local Union 241 | $0 | $24,067 | 188 | — |
| Tompkins Consolidated Area Transit, Inc. | $0 | $77,220 | 112 | Brown & Brown |
| International Brotherhood of Bricklayers Local 8 Welfare Plan | $0 | $54,857 | 111 | Chicago Benefit Consultants Inc. |
| Therm, Incorporated | $0 | $67,930 | 110 | Ap Benefit Advisors LLC dba Env Ins |
| Stork H&E Turbo Blading, Inc. | $0 | $87,296 | 107 | Brown & Brown |
| Boyce Thompson Institute for Plant Research | $0 | $69,908 | 105 | Brown & Brown |
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 Ithaca employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Brown & Brown | $561,074 | 6 |
| Lockton | $413,256 | 1 |
| Saul R Locker | $347,208 | 1 |
| Consiliarium Group LLC | $183,416 | 1 |
| Management Compensation Group | $142,687 | 1 |
| Tompkins Insurance | $115,293 | 2 |
| Ap Benefit Advisors LLC dba Env Ins | $62,430 | 1 |
| James R Nelligan & Associates LLC | $57,209 | 2 |
| SBR Services LLC | $41,317 | 1 |
| Chicago Benefit Consultants Inc. | $39,420 | 1 |
Largest medical carriers
Medical premium written for these employers.
Ithaca 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.
| Ithaca | 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 | $58,758 | $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, 18 Ithaca employers reported $538,994 in premiums and $2.2M in broker pay for 24,301 participants; in 2024 it was $1.6M and $2.2M for 25,151 participants (premiums +198.5%, broker pay +0.2%).
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 Ithaca employers pay health insurance brokers?
17 Ithaca employers reported $2,214,362 in broker commissions and fees on their 2024 Form 5500 filings, 17 of them disclosing at least some compensation. Too few fully insured medical plans in Ithaca 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 Ithaca employer that disclosed broker pay reported $58,758.
Which Ithaca employers have the largest health plans?
By insurance premium reported for 2024, Ongweoweh Corporation ($1.2M), Franziska Racker Centers, Inc ($181,452), Maguire Automotive LLC ($111,114) lead. 17 Ithaca employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Ithaca?
By compensation reported by Ithaca employers, the largest brokers are Brown & Brown ($561,074, 6 plans), Lockton ($413,256, 1 plans), Saul R Locker ($347,208, 1 plans). By medical premium, the largest carriers are Excellus Blue Cross Blue Shield, Triple S Advantage, Triple S Salud, Inc..
Are Ithaca employer health plans self-funded or fully insured?
Of 17 Ithaca employer plans, 3 are fully insured, 7 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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