Lake Oswego, Oregon employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
23 employers in Lake Oswego, Oregon filed health plans with 100 or more participants for plan year 2024, covering 32,032 participants. They reported $1.5M in insurance premiums and $2.1M in broker commissions and fees. Against 2023, premiums were down 70.9% and broker pay rose 18.6%.
Funding: 4 fully insured · 7 self-funded · 12 mixed. 19 of 23 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Lake Oswego
Lake Oswego employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Kindercare Education, LLC | $761,482 | $774,215 | 22,268 | Aon |
| The Greenbrier Companies, Inc. | $429,415 | $49,071 | 2,225 | Woodruff Sawyer |
| Finity Inc. | $146,616 | $47,237 | 106 | CSNW Benefits an Alera Agency |
| Western Capital Corporation | $121,603 | $14,452 | 118 | Marsh McLennan Agency |
| Yakima Products, Inc. | $23,087 | $63,179 | 101 | The Partners Groujp |
| Bridgewell Resources, LLC | $15,485 | $81,752 | 122 | Watch Tower Technologies Inc |
| Buggsi Hospitality Group LLC | $2,957 | $2,950 | 128 | Decisely Insurance Services Inc |
| Micro Systems Engineering, Inc. | $0 | $172,125 | 1,231 | Mercer |
| Navex Global | $0 | $10,535 | 1,101 | Reuben Warner Assoc. |
| Northwest Firefighters Relief Association | $0 | $31,758 | 854 | Brown & Brown |
| Logical Position, LLC | $0 | $212,034 | 784 | USI Insurance Services |
| Hoffman Corporation | $0 | $186,802 | 656 | Mercer |
| Seasons Management LLC | $0 | $6,282 | 423 | Brown & Brown |
| Anthem Memory Care, LLC | $0 | $35,864 | 405 | Alliant Insurance Services |
| Acme Construction Supply Co., Inc. | $0 | $20,330 | 331 | USI Insurance Services |
| Milestone Systems Inc | $0 | $131,949 | 223 | CSNW Benefits |
| Adpearance Holdings, LLC | $0 | $32,779 | 160 | Parker Smith & Feek Inc. |
| Hallmark Inns & Resorts, Inc. | $0 | $60,061 | 158 | Durham & Bates Agencies Inc |
| LCG Pence, LLC | $0 | $33,471 | 153 | Aldrich Benefits LP |
| KBF CPAS LLP | $0 | $80,070 | 134 | HUB International |
| Pavilion Properties, LLC | $0 | $54,235 | 126 | Propel Insurance Agency LLC |
| Point Monitor Corporation | $0 | $11,553 | 113 | HUB International |
| Delap LLP | $0 | $5,594 | 112 | USI Insurance Services |
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 Lake Oswego employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Aon | $574,965 | 1 |
| Mercer | $358,678 | 2 |
| USI Insurance Services | $237,961 | 3 |
| Custom Benefit Programs Inc | $177,010 | 1 |
| CSNW Benefits | $108,993 | 1 |
| HUB International | $91,623 | 2 |
| Woodruff Sawyer | $49,071 | 1 |
| CSNW Benefits an Alera Group Agency | $47,237 | 1 |
| Propel Insurance Agency, LLC | $46,908 | 1 |
| Alliant Insurance Services | $43,534 | 3 |
Largest medical carriers
Medical premium written for these employers.
Lake Oswego 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.
| Lake Oswego | Oregon | United States | |
|---|---|---|---|
| Employer plans | 23 | 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 | $47,237 | $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, 22 Lake Oswego employers reported $5.2M in premiums and $1.8M in broker pay for 27,710 participants; in 2024 it was $1.5M and $2.1M for 32,032 participants (premiums −70.9%, broker pay +18.6%).
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 Lake Oswego employers pay health insurance brokers?
23 Lake Oswego employers reported $2,118,298 in broker commissions and fees on their 2024 Form 5500 filings, 23 of them disclosing at least some compensation. Too few fully insured medical plans in Lake Oswego 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 Lake Oswego employer that disclosed broker pay reported $47,237.
Which Lake Oswego employers have the largest health plans?
By insurance premium reported for 2024, Kindercare Education, LLC ($761,482), The Greenbrier Companies, Inc. ($429,415), Finity Inc. ($146,616) lead. 23 Lake Oswego employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Lake Oswego?
By compensation reported by Lake Oswego employers, the largest brokers are Aon ($574,965, 1 plans), Mercer ($358,678, 2 plans), USI Insurance Services ($237,961, 3 plans). By medical premium, the largest carriers are Regence Bluecross Blueshield of Oregon, Hawaii Medical Service Association, Kaiser Foundation Health Plan of the Northwest.
Are Lake Oswego employer health plans self-funded or fully insured?
Of 23 Lake Oswego employer plans, 4 are fully insured, 7 are self-funded and 12 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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