Bethlehem, Pennsylvania employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
30 employers in Bethlehem, Pennsylvania filed health plans with 100 or more participants for plan year 2024, covering 37,934 participants. They reported $8.0M in insurance premiums and $3.2M in broker commissions and fees. Against 2023, premiums were up 220.7% and broker pay rose 4.8%.
Funding: 3 fully insured · 22 self-funded · 5 mixed. 27 of 30 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Bethlehem
Bethlehem employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Progressive Physician Associates, Inc. | $3,099,963 | $72,731 | 139 | Marsh McLennan Agency |
| ST. Luke's Health Network, Inc. | $2,680,982 | $713,070 | 17,188 | Bsi Corporate Benefits LLC |
| Lehigh University | $1,006,816 | $264,665 | 1,933 | Corporate Synergies |
| Hydac Technology Corp. | $616,389 | $163,584 | 1,359 | James R Nelligan & Associates LLC |
| Moravian University | $224,296 | $56,209 | 356 | RSC Insurance Brokerage Inc |
| Service Electric Television, Inc. | $165,667 | $64,680 | 429 | Bsi Corporate Benefits, LLC |
| Saucon Valley Country Club | $103,609 | $62,744 | 148 | JP Warner Associates |
| Service Tire Truck Centers | $38,252 | $44,188 | 972 | James R. Nelligan & Associates |
| Lifepath, Inc. | $21,510 | $102,160 | 479 | Bsi Corporate Benefits LLC |
| Myers Emergency Power Systems, LLC | $18,164 | $66,723 | 185 | Marsh McLennan Agency |
| Phoenix Tube Company Inc. | $13,190 | $41,685 | 208 | Brown & Brown |
| B. Braun Medical, Inc. | $0 | $269,151 | 5,928 | Aon |
| Buzzi Unicem USA Inc. | $0 | $53,007 | 1,436 | Marsh McLennan Agency |
| Lehigh Valley Association of Independent Colleges | $0 | $68,493 | 1,354 | USI Insurance Services |
| Wind Creek Bethlehem | $0 | $162,562 | 1,271 | Acrisure |
| Reeb Millwork Corporation | $0 | — | 1,082 | — |
| Just Born, Inc. | $0 | $145,663 | 609 | Bsi Corporate Benefits LLC |
| Orasure Technologies Inc. | $0 | $182,398 | 375 | Lewis, Craig Michael |
| Valley Youth House | $0 | $11,989 | 359 | Marsh McLennan Agency |
| Abec, Inc. | $0 | $81,507 | 333 | James R. Nelligan & Associates |
| Novatech, LLC | $0 | $35,316 | 313 | The Equinox Agency LLC |
| Rotating Machinery Services Inc | $0 | $308,627 | 265 | EPIC Insurance Brokers |
| Anesthesia Specialists of Bethlehem, P.C. | $0 | $187,767 | 196 | Thomas Neal Groves |
| Moravian Academy | $0 | $14,312 | 195 | Conner Strong & Buckelew |
| Sharp Clinical Services, Inc | $0 | $3,557 | 177 | Kelly & Associates Insurance Group |
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 Bethlehem employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Bsi Corporate Benefits LLC | $834,502 | 4 |
| EPIC Insurance Brokers | $308,627 | 1 |
| Corporate Synergies | $269,380 | 2 |
| James R Nelligan & Associates LLC | $255,490 | 5 |
| Aon | $209,136 | 1 |
| Fmlasource Inc | $199,285 | 2 |
| Marsh McLennan Agency | $164,505 | 4 |
| The Equinox Agency LLC | $150,411 | 4 |
| Lewis, Craig Michael | $132,064 | 1 |
| Acrisure | $101,163 | 1 |
Largest medical carriers
Medical premium written for these employers.
Bethlehem against Pennsylvania 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.
| Bethlehem | Pennsylvania | United States | |
|---|---|---|---|
| Employer plans | 30 | 2,599 | 58,547 |
| Median commission rate | n/a | 4.4% | 3.8% |
| Middle half of rates | n/a | 3.0% – 5.4% | 2.7% – 5.0% |
| Median broker pay per employer | $67,608 | $57,332 | $72,628 |
| Medical premium per covered person | n/a | $7,621 | $7,274 |
| Plans reporting no commission | 0 | 54 | 933 |
Year over year. In plan year 2023, 31 Bethlehem employers reported $2.5M in premiums and $3.1M in broker pay for 35,076 participants; in 2024 it was $8.0M and $3.2M for 37,934 participants (premiums +220.7%, broker pay +4.8%).
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 Bethlehem employers pay health insurance brokers?
30 Bethlehem employers reported $3,221,628 in broker commissions and fees on their 2024 Form 5500 filings, 26 of them disclosing at least some compensation. Too few fully insured medical plans in Bethlehem reported premium to compute a stable commission rate; the Pennsylvania median is 4.4% and the U.S. median is 3.8%. In dollars, the median Bethlehem employer that disclosed broker pay reported $67,608.
Which Bethlehem employers have the largest health plans?
By insurance premium reported for 2024, Progressive Physician Associates, Inc. ($3.1M), ST. Luke's Health Network, Inc. ($2.7M), Lehigh University ($1.0M) lead. 25 Bethlehem employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Bethlehem?
By compensation reported by Bethlehem employers, the largest brokers are Bsi Corporate Benefits LLC ($834,502, 4 plans), EPIC Insurance Brokers ($308,627, 1 plans), Corporate Synergies ($269,380, 2 plans). By medical premium, the largest carriers are Capital Advantage Assurance Company, Highmark Inc., Aetna Life Insurance Company.
Are Bethlehem employer health plans self-funded or fully insured?
Of 30 Bethlehem employer plans, 3 are fully insured, 22 are self-funded and 5 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 Pennsylvania
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