Portland, Oregon employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
288 employers in Portland, Oregon filed health plans with 100 or more participants for plan year 2024, covering 230,573 participants. They reported $57M in insurance premiums and $23M in broker commissions and fees. Against 2023, premiums were down 5.3% and broker pay rose 6.2%.
Funding: 74 fully insured · 70 self-funded · 144 mixed. 214 of 288 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Portland
Portland employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Detroit Diesel Corporation | $17,699,761 | $339 | 1,906 | Aon |
| Board of Trustees of Oregon Bakers Union Trust Fund | $7,589,229 | — | 1,075 | — |
| Permanente Dental Associates, PC | $4,689,079 | $26,412 | 209 | Bryan Briand |
| Radius Recycling, Inc. | $3,867,334 | $57,068 | 3,149 | Mercer |
| Xpo CNW, Inc. | $2,891,055 | $1,565,214 | 18,871 | Marsh McLennan Agency |
| Board of Trustees, Harrison Electrical Workers Trust | $2,139,048 | $603,266 | 9,285 | JB Nibley Insurance Inc |
| Cement Masons - Employers Trust | $1,785,263 | $24,927 | 555 | Stealth Partner Group |
| Vacasa, LLC | $1,501,908 | $365,809 | 4,788 | Alliant Insurance Services |
| Board of Trustees of Oregon Teamster Employers Trust | $1,388,601 | — | 11,797 | — |
| Careoregon, Inc. | $1,269,512 | $1,296,679 | 1,493 | Mercer |
| LRS Architects, Inc | $1,136,809 | $25,780 | 150 | Innovative Benefit Plans, LLC |
| The Oregon Clinic, P.C. | $1,131,407 | $169,653 | 1,382 | Gallagher |
| Stoel Rives, LLP | $920,451 | $25,886 | 626 | Suzanne M. Hazlett |
| Reed College | $621,938 | $129,954 | 563 | USI Insurance Services |
| Onpoint Community Credit Union | $584,554 | $50,088 | 1,075 | Woodruff Sawyer |
| Performance Systems Integration, LLC | $443,600 | $111,757 | 374 | Lockton |
| Powell's Books, Inc. Health Benefit Plan | $422,668 | $6,713 | 202 | Intermediary Services LLC |
| Vigor Industrial LLC | $378,391 | $28,806 | 1,693 | USI Insurance Services |
| Lacrosse Footwear, Inc. | $362,550 | $143,358 | 288 | Mercer |
| Zimmer Gunsul Frasca Architects, LLP | $295,376 | $156,392 | 655 | Mercer |
| Relay Resources | $288,942 | $48,227 | 191 | HUB International |
| Western States Health and Welfare Trust Fund of the Opeiu Trustees | $284,941 | — | 984 | — |
| United Metal Trades Association of Oregon | $274,277 | $19,232 | 1,349 | Russel Consulting Group LLC |
| Immigrant & Refugee Community Organization | $251,440 | $206,101 | 459 | Brown & Brown |
| Interface Engineering, Inc. | $244,306 | $409 | 236 | Alliant 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 Portland employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Mercer | $3,428,249 | 21 |
| USI Insurance Services | $2,609,916 | 50 |
| Marsh McLennan Agency | $1,200,701 | 7 |
| Brown & Brown | $1,043,008 | 29 |
| Lockton | $1,042,842 | 8 |
| Davidson Benefits Planning | $772,030 | 16 |
| Woodruff Sawyer | $767,556 | 19 |
| Alliant Insurance Services | $702,370 | 13 |
| American Benefits and Compensation | $590,673 | 1 |
| HUB International | $530,640 | 11 |
Largest medical carriers
Medical premium written for these employers.
Portland 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.
| Portland | Oregon | United States | |
|---|---|---|---|
| Employer plans | 288 | 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 | $48,701 | $46,418 | $72,628 |
| Medical premium per covered person | n/a | n/a | $7,274 |
| Plans reporting no commission | 2 | 3 | 933 |
Year over year. In plan year 2023, 303 Portland employers reported $61M in premiums and $21M in broker pay for 233,432 participants; in 2024 it was $57M and $23M for 230,573 participants (premiums −5.3%, broker pay +6.2%).
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 Portland employers pay health insurance brokers?
288 Portland employers reported $22,567,528 in broker commissions and fees on their 2024 Form 5500 filings, 269 of them disclosing at least some compensation. Too few fully insured medical plans in Portland 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 Portland employer that disclosed broker pay reported $48,701.
Which Portland employers have the largest health plans?
By insurance premium reported for 2024, Detroit Diesel Corporation ($18M), Board of Trustees of Oregon Bakers Union Trust Fund ($7.6M), Permanente Dental Associates, PC ($4.7M) lead. 25 Portland employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Portland?
By compensation reported by Portland employers, the largest brokers are Mercer ($3.4M, 21 plans), USI Insurance Services ($2.6M, 50 plans), Marsh McLennan Agency ($1.2M, 7 plans). By medical premium, the largest carriers are Blue Care Network of Michigan, Regence Bluecross Blueshield of Oregon, Kaiser Foundation Health Plan of the Northwest.
Are Portland employer health plans self-funded or fully insured?
Of 288 Portland employer plans, 74 are fully insured, 70 are self-funded and 144 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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