Utica, New York employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
20 employers in Utica, New York filed health plans with 100 or more participants for plan year 2024, covering 10,415 participants. They reported $12M in insurance premiums and $1.1M in broker commissions and fees. Against 2023, premiums were down 9.7% and broker pay fell 9.1%.
Funding: 6 fully insured · 8 self-funded · 6 mixed. 14 of 20 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Utica
Utica employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Integrated Community Alternatives Network | $2,666,486 | $86,508 | 278 | Afs Agency |
| House of the Good Shepherd | $2,109,950 | $118,470 | 376 | Gilroy Kernan & Gilroy Inc. |
| Black River Systems Company, Inc. | $2,051,704 | $91,169 | 108 | Gilroy Kernan & Gilroy, Inc. |
| Adirondack Bank | $1,962,636 | $71,403 | 113 | Afs Agency |
| Lucky's Truck & Trailer Sales, Inc. | $1,587,826 | $96,301 | 180 | OneDigital |
| The Neighborhood Center, Inc. | $1,537,334 | $79,146 | 187 | Robert G. Relph Agency, Inc. |
| Mohawk Valley Health System | $0 | $78,740 | 3,588 | Gilroy Kernan & Gilroy, Inc. |
| Indium Corporation of America Comprehensive Medical Benefits Plan | $0 | $91,071 | 995 | Aon |
| Lifeplan Cco NY, LLC | $0 | $51,405 | 781 | Lawley |
| Utica University | $0 | $23,662 | 665 | Robert G Relph Agency Inc |
| Resource Center for Independent Living, Inc. | $0 | $6,772 | 647 | Crown Risk Management LLC |
| United Cerebral Palsy & Handicapped Pers Utica Area Inc Employee Choic | $0 | $30,268 | 597 | Gilroy Kernan & Gilroy Inc |
| The Arc, Oneida-Lewis Chapter, Nysarc | $0 | $16,377 | 413 | Robert G. Relph Agency, Inc. |
| Semikron Danfoss, LLC | $0 | $21,918 | 293 | Marsh McLennan Agency |
| Trustees of the Masonic Hall Fund Masonic Care Community of New York | $0 | $11,484 | 251 | Gilroy, Kernan & Gilroy, Inc. |
| Trenton Technology, Inc. | $0 | $82,875 | 232 | Gilroy, Kernan & Gilroy Inc |
| Delorio Foods, Inc | $0 | $44,850 | 198 | EPIC Insurance Brokers |
| Mohawk Valley Community Action Agency, Inc. | $0 | $41,056 | 193 | Robert G Relph Agency, Inc |
| Ecr International, Inc. | $0 | $54,127 | 173 | Gilroy Kernan & Gilroy, Inc. |
| Empire Recycling Corporation | $0 | $14,652 | 147 | Marshall&Sterling Employee Benefits |
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 Utica employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Gilroy Kernan & Gilroy, Inc. | $472,349 | 8 |
| Afs Agency | $156,239 | 4 |
| Robert G Relph Agency Inc | $122,208 | 4 |
| OneDigital | $87,133 | 1 |
| Lawley | $51,405 | 1 |
| Aon | $49,721 | 1 |
| EPIC Insurance Brokers | $41,618 | 1 |
| Alera Group, Inc. | $13,115 | 3 |
| Relph Robert G Agency Inc | $12,782 | 1 |
| Marsh McLennan Agency | $11,994 | 1 |
Largest medical carriers
Medical premium written for these employers.
Utica 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.
| Utica | New York | United States | |
|---|---|---|---|
| Employer plans | 20 | 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 | $52,766 | $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 Utica employers reported $13M in premiums and $1.2M in broker pay for 6,802 participants; in 2024 it was $12M and $1.1M for 10,415 participants (premiums −9.7%, broker pay −9.1%).
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 Utica employers pay health insurance brokers?
20 Utica employers reported $1,112,254 in broker commissions and fees on their 2024 Form 5500 filings, 20 of them disclosing at least some compensation. Too few fully insured medical plans in Utica 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 Utica employer that disclosed broker pay reported $52,766.
Which Utica employers have the largest health plans?
By insurance premium reported for 2024, Integrated Community Alternatives Network ($2.7M), House of the Good Shepherd ($2.1M), Black River Systems Company, Inc. ($2.1M) lead. 20 Utica employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Utica?
By compensation reported by Utica employers, the largest brokers are Gilroy Kernan & Gilroy, Inc. ($472,349, 8 plans), Afs Agency ($156,239, 4 plans), Robert G Relph Agency Inc ($122,208, 4 plans). By medical premium, the largest carriers are Excellus Blue Cross Blue Shield, MVP Health Service Corp, MVP Healthcare.
Are Utica employer health plans self-funded or fully insured?
Of 20 Utica employer plans, 6 are fully insured, 8 are self-funded and 6 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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