Rochester, New York employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
153 employers in Rochester, New York filed health plans with 100 or more participants for plan year 2024, covering 200,701 participants. They reported $147M in insurance premiums and $14M in broker commissions and fees. The median broker rate on commission-paying, fully insured medical plans was 3.8% of premium, against 3.7% across New York and 3.8% nationally. Against 2023, premiums were up 5.0% and broker pay rose 6.8%.
Funding: 66 fully insured · 37 self-funded · 50 mixed. 87 of 153 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Rochester
Rochester employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Ua Local 13 Joint Board of Trustees Employers Group Insurance Fund | $13,197,278 | $252,670 | 911 | Gallagher |
| Constellation Brands, Inc. | $10,639,043 | $245,584 | 3,714 | United Behavioral Health dba Optum |
| Heritage Christian Services, Inc. | $9,898,533 | $489,923 | 2,963 | Lawley |
| Lifetime Assistance, Inc. | $6,067,048 | $174,969 | 924 | Brown & Brown |
| Telesoft LLC | $4,859,936 | $102,932 | 589 | Benifit, LLC |
| Nortera Foods USA Inc. | $4,607,631 | $225,076 | 495 | Mercer |
| Nazareth University | $4,328,807 | $164,668 | 203 | USI Insurance Services |
| University of Rochester | $4,160,289 | $282,232 | 18,658 | Empower Benefit Inc |
| Catholic Charities of the Diocese O Rochester | $4,012,777 | $134,418 | 845 | Consiliarium Group LLC |
| Conifer Realty LLC | $3,552,942 | $127,624 | 529 | Consiliarium Group LLC |
| Joint Board of Trustees Bricklayers & | $3,446,604 | $104,246 | 695 | Brown & Brown |
| Atalys, LLC. | $3,440,803 | $225,328 | 251 | Willis Towers Watson |
| Mindex Technologies Inc. | $3,052,020 | $120,250 | 128 | USI Insurance Services |
| Coordinated Care Services, Inc. | $2,996,874 | $130,878 | 427 | Brown & Brown |
| Adaptec Solutions, LLC | $2,826,616 | $128,701 | 278 | Marsh McLennan Agency |
| Miraclon Corporation | $2,767,196 | — | 157 | — |
| Nysarc Inc., Monroe County Chapter | $2,668,405 | $89,852 | 451 | Brown & Brown |
| Hurlbut Health Consulting, LLC | $2,478,431 | $93,386 | 228 | AssuredPartners |
| GMM Pfaudler US, Inc. | $2,470,819 | $190,291 | 258 | Gallagher |
| Mary Cariola Children's Center, Inc | $2,461,478 | $95,369 | 570 | Smola Consulting LLC |
| Wilmorite Management Group, LLC | $2,359,538 | $99,004 | 128 | Brown & Brown |
| Harter Secrest & Emery LLP | $2,355,457 | $103,737 | 190 | Gallagher |
| ST. John's Healthcare Corporation | $2,314,028 | $109,929 | 423 | Gallagher |
| MRB Group Engineering, Architecture & Surveying, DPC | $2,280,789 | $89,892 | 158 | Paychex Insurance Agency |
| M/E Engineering, P.C. Welfare Benefit PL | $2,244,436 | $290,726 | 167 | 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 Rochester employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Brown & Brown | $3,043,865 | 43 |
| Gallagher | $1,979,644 | 19 |
| USI Insurance Services | $1,329,504 | 11 |
| Consiliarium Group LLC | $911,987 | 14 |
| Willis Towers Watson | $579,253 | 6 |
| Mercer | $482,106 | 7 |
| Lawley | $370,466 | 12 |
| Marsh McLennan Agency | $345,610 | 3 |
| OneDigital | $321,952 | 4 |
| AssuredPartners | $321,152 | 8 |
Largest medical carriers
Medical premium written for these employers.
Rochester 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.
| Rochester | New York | United States | |
|---|---|---|---|
| Employer plans | 153 | 3,508 | 58,547 |
| Median commission rate | 3.8% (36 plans) | 3.7% | 3.8% |
| Middle half of rates | 3.3% – 4.1% | 2.9% – 4.3% | 2.7% – 5.0% |
| Median broker pay per employer | $69,283 | $85,893 | $72,628 |
| Medical premium per covered person | $11,804 | $10,907 | $7,274 |
| Plans reporting no commission | 3 | 28 | 933 |
Year over year. In plan year 2023, 149 Rochester employers reported $140M in premiums and $13M in broker pay for 211,522 participants; in 2024 it was $147M and $14M for 200,701 participants (premiums +5.0%, broker pay +6.8%).
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 Rochester employers pay health insurance brokers?
153 Rochester employers reported $13,588,113 in broker commissions and fees on their 2024 Form 5500 filings, 142 of them disclosing at least some compensation. Among 36 commission-paying, fully insured medical plans, the median broker rate was 3.8% of premium, 0.0 points above the New York median of 3.7% and 0.0 points below the U.S. median of 3.8%. In dollars, the median Rochester employer that disclosed broker pay reported $69,283.
Which Rochester employers have the largest health plans?
By insurance premium reported for 2024, Ua Local 13 Joint Board of Trustees Employers Group Insurance Fund ($13M), Constellation Brands, Inc. ($11M), Heritage Christian Services, Inc. ($9.9M) lead. 25 Rochester employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Rochester?
By compensation reported by Rochester employers, the largest brokers are Brown & Brown ($3.0M, 43 plans), Gallagher ($2.0M, 19 plans), USI Insurance Services ($1.3M, 11 plans). By medical premium, the largest carriers are Excellus Blue Cross Blue Shield, MVP Healthcare, MVP Health Care.
Are Rochester employer health plans self-funded or fully insured?
Of 153 Rochester employer plans, 66 are fully insured, 37 are self-funded and 50 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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