Bend, Oregon employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
31 employers in Bend, Oregon filed health plans with 100 or more participants for plan year 2024, covering 24,092 participants. They reported $2.0M in insurance premiums and $5.6M in broker commissions and fees. Against 2023, premiums were up 670.4% and broker pay rose 48.8%.
Funding: 12 fully insured · 9 self-funded · 10 mixed. 19 of 31 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Bend
Bend employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Les Schwab Warehouse Center, LLC | $1,756,123 | $237,625 | 6,849 | Willis Towers Watson |
| Mid-Oregon Credit Union | $96,340 | $8,134 | 133 | Cascade Insurance Center LLC |
| The Orthopedic and Neurosurgical Center of the Cascades | $59,590 | $38,875 | 230 | Kerr-Cruickshank, Inc. |
| Mosaic Community Health | $38,200 | $38,073 | 380 | Brown & Brown |
| Bend Surgery Center, LLC | $15,985 | $75,486 | 123 | — |
| ST. Charles Health System | $0 | $458,700 | 3,835 | Steven Griffin |
| Bend Chamber of Commerce | $0 | $74,882 | 3,019 | Cascade East Benefits, Inc. |
| Bend Chamber of Commerce | $0 | $964,893 | 1,643 | Johnson Benefit Planning |
| Bend Chamber of Commerce | $0 | $780,889 | 1,186 | Johnson Benefit Planning |
| Bend Chamber of Commerce | $0 | $529,726 | 757 | Johnson Benefit Planning |
| Dentaquest Care Group Management, LLC | $0 | $47,661 | 718 | Umr, Inc. |
| Sunshine Retirement Living LLC | $0 | $5,742 | 513 | KPD Insurance LLC |
| Bend Chamber of Commerce | $0 | $260,594 | 504 | Johnson Benefit Planning |
| Bend Chamber of Commerce | $0 | $454,747 | 477 | Johnson Benefit Planning |
| Courier Plus, Inc. | $0 | $186,630 | 452 | HUB International |
| Bend Chamber of Commerce | $0 | $333,462 | 442 | Johnson Benefit Planning |
| Deschutes Brewery, Inc. | $0 | $42,660 | 285 | HUB International |
| Central Oregon Radiology Associates | $0 | $5,160 | 261 | Mgis |
| Community Integrated Work Program, Inc. | $0 | $62,571 | 258 | Interwest Insurance Services, LLC |
| Pahlisch Homes, Inc. | $0 | $62,889 | 214 | KPD Insurance LLC |
| Partners in Care | $0 | $98,919 | 191 | Brown & Brown |
| Bend Chamber of Commerce | $0 | $161,959 | 190 | Johnson Benefit Planning |
| Lindahl Reed, Inc | $0 | $108,541 | 190 | Patriot Growth |
| Seran Bioscience, LLC | $0 | $55,900 | 188 | Cobbs Allen |
| Kirby Nagelhout Construction Co. | $0 | $77,595 | 178 | Robert Weeks |
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 Bend employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Johnson Benefit Planning | $1,222,977 | 8 |
| Willis Towers Watson | $237,494 | 1 |
| HUB International | $211,004 | 2 |
| Fidelity Health Insurance Services | $144,819 | 1 |
| Brown & Brown | $131,810 | 2 |
| Patriot Growth | $84,027 | 1 |
| Interwest Insurance Services, LLC | $62,571 | 1 |
| KPD Insurance, LLC | $62,053 | 3 |
| Cobbs Allen | $55,900 | 1 |
| Robert Weeks | $45,906 | 1 |
Largest medical carriers
Medical premium written for these employers.
Bend against Oregon 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.
| Bend | Oregon | United States | |
|---|---|---|---|
| Employer plans | 31 | 811 | 58,547 |
| Median commission rate | n/a | 2.8% | 3.8% |
| Middle half of rates | n/a | 1.8% – 3.6% | 2.7% – 5.0% |
| Median broker pay per employer | $75,920 | $46,418 | $72,628 |
| Medical premium per covered person | n/a | n/a | $7,274 |
| Plans reporting no commission | 0 | 3 | 933 |
Year over year. In plan year 2023, 32 Bend employers reported $255,236 in premiums and $3.7M in broker pay for 23,129 participants; in 2024 it was $2.0M and $5.6M for 24,092 participants (premiums +670.4%, broker pay +48.8%).
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 Bend employers pay health insurance brokers?
31 Bend employers reported $5,553,074 in broker commissions and fees on their 2024 Form 5500 filings, 30 of them disclosing at least some compensation. Too few fully insured medical plans in Bend reported premium to compute a stable commission rate; the Oregon median is 2.8% and the U.S. median is 3.8%. In dollars, the median Bend employer that disclosed broker pay reported $75,920.
Which Bend employers have the largest health plans?
By insurance premium reported for 2024, Les Schwab Warehouse Center, LLC ($1.8M), Mid-Oregon Credit Union ($96,340), The Orthopedic and Neurosurgical Center of the Cascades ($59,590) lead. 25 Bend employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Bend?
By compensation reported by Bend employers, the largest brokers are Johnson Benefit Planning ($1.2M, 8 plans), Willis Towers Watson ($237,494, 1 plans), HUB International ($211,004, 2 plans). By medical premium, the largest carriers are Pacificsource Health Plans, Providence Health Plan, Regence Bluecross Blueshield of Oregon.
Are Bend employer health plans self-funded or fully insured?
Of 31 Bend employer plans, 12 are fully insured, 9 are self-funded and 10 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 Oregon
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