Norman, Oklahoma employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
17 employers in Norman, Oklahoma filed health plans with 100 or more participants for plan year 2024, covering 21,317 participants. They reported $732,844 in insurance premiums and $1.5M in broker commissions and fees. Against 2023, premiums were down 57.1% and broker pay rose 22.1%.
Funding: 6 fully insured · 7 self-funded · 4 mixed. 11 of 17 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Norman
Norman employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Fowler Holding Company | $308,884 | $24,567 | 285 | Flex Plan Administrators, Inc. |
| Lifecare Oklahoma, Inc. | $158,508 | $57,188 | 331 | Alliant Insurance Services |
| Avara Pharmaceutical Services, Inc. | $155,179 | $59,240 | 182 | USI Insurance Services |
| Great Plains Ii, LLC | $90,878 | $69,067 | 110 | Inservices LLC |
| Ideal Homes of Norman | $19,395 | $95,886 | 237 | HUB International |
| Nextep Inc. | $0 | $658,596 | 17,435 | Nextep Benefits Services, LLC |
| Charleston's Restaurant Group | $0 | $34,110 | 515 | Insurica |
| Traditions Spirits Inc. | $0 | $50,407 | 512 | Alliant Insurance Services |
| Oklahoma Electric Cooperative | $0 | — | 292 | — |
| Xcel NDT, LLC | $0 | $172,830 | 266 | Hylant |
| Pci Energy Solutions | $0 | $2,480 | 238 | — |
| Crossroads Youth and Family Services, Inc. | $0 | $98,371 | 230 | Gallagher |
| Ferguson Management Group, LLC | $0 | $86,396 | 213 | Tim Leake |
| Oklahoma Children and Youth Coalition | $0 | $39,452 | 139 | Bancfirst Insurance Services, Inc. |
| B & H Construction, LLC | $0 | — | 122 | — |
| Trans-Tel Central, LLC | $0 | $43,589 | 110 | Synergy Benefit Advisors, LLC |
| H & H Plumbing and Utilities, Inc. | $0 | $53,295 | 100 | Gallagher |
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 Norman employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Nextep Benefits Services LLC | $644,281 | 1 |
| Gallagher | $138,965 | 2 |
| Hylant | $127,107 | 1 |
| HUB International | $95,845 | 1 |
| Alliant Insurance Services | $95,838 | 2 |
| Inservices, LLC | $69,067 | 1 |
| Tim Leake | $61,750 | 1 |
| USI Insurance Services | $59,240 | 1 |
| Willis Towers Watson | $45,722 | 1 |
| Synergy Group Benefits Inc | $41,133 | 1 |
Largest medical carriers
Medical premium written for these employers.
Norman against Oklahoma 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.
| Norman | Oklahoma | United States | |
|---|---|---|---|
| Employer plans | 17 | 617 | 58,547 |
| Median commission rate | n/a | 1.6% | 3.8% |
| Middle half of rates | n/a | 0.8% – 2.6% | 2.7% – 5.0% |
| Median broker pay per employer | $57,188 | $70,599 | $72,628 |
| Medical premium per covered person | n/a | n/a | $7,274 |
| Plans reporting no commission | 0 | 4 | 933 |
Year over year. In plan year 2023, 17 Norman employers reported $1.7M in premiums and $1.3M in broker pay for 20,685 participants; in 2024 it was $732,844 and $1.5M for 21,317 participants (premiums −57.1%, broker pay +22.1%).
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 Norman employers pay health insurance brokers?
17 Norman employers reported $1,545,474 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 Norman reported premium to compute a stable commission rate; the Oklahoma median is 1.6% and the U.S. median is 3.8%. In dollars, the median Norman employer that disclosed broker pay reported $57,188.
Which Norman employers have the largest health plans?
By insurance premium reported for 2024, Fowler Holding Company ($308,884), Lifecare Oklahoma, Inc. ($158,508), Avara Pharmaceutical Services, Inc. ($155,179) lead. 17 Norman employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Norman?
By compensation reported by Norman employers, the largest brokers are Nextep Benefits Services LLC ($644,281, 1 plans), Gallagher ($138,965, 2 plans), Hylant ($127,107, 1 plans). By medical premium, the largest carriers are Bluecross Blueshield of Texas, Bluecross Blueshield of Oklahoma, Aetna Life Insurance Company.
Are Norman employer health plans self-funded or fully insured?
Of 17 Norman employer plans, 6 are fully insured, 7 are self-funded and 4 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 Oklahoma
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