West Chester, Pennsylvania employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
23 employers in West Chester, Pennsylvania filed health plans with 100 or more participants for plan year 2024, covering 39,003 participants. They reported $75M in insurance premiums and $3.2M in broker commissions and fees. Against 2023, premiums were down 7.6% and broker pay rose 15.1%.
Funding: 5 fully insured · 8 self-funded · 10 mixed. 18 of 23 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in West Chester
West Chester employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Communications Test Design, Inc. | $68,903,869 | $319,211 | 8,516 | Mercer |
| Accesslex Institute | $2,208,874 | $72,639 | 124 | Mercer |
| QVC, Inc. | $1,769,672 | $958,763 | 12,514 | Willis Towers Watson |
| Illuminations Inc | $1,642,159 | $105,177 | 136 | Kistler Tiffan Benefits Gen Agency |
| Weston Solutions, Inc. | $334,443 | $231,451 | 961 | Corporate Synergies |
| Lasko Products, LLC | $33,367 | $70,947 | 839 | Willis Towers Watson |
| Seg, Inc. | $0 | $94,214 | 6,053 | USI Insurance Services |
| A. Duie Pyle, Inc. | $0 | $236,516 | 3,592 | Gallagher |
| New Era Technology, Inc. | $0 | — | 1,338 | — |
| Johnson Matthey Inc. | $0 | $144,945 | 1,266 | Marsh McLennan Agency |
| Resolution Life US | $0 | $157,311 | 568 | Lockton |
| Stream Companies Inc | $0 | $190,547 | 475 | PCF Insurance Srvcs of the West LLC |
| Pennsylvania Leadership Charter School | $0 | $289,139 | 454 | Flexible Benefits Plans Inc |
| Venerable Holdings, Inc. | $0 | $19,116 | 368 | Charon Planning Corp |
| Lavazza North America | $0 | — | 351 | — |
| Primepay LLC | $0 | — | 289 | — |
| YMCA of Greater Brandywine | $0 | $106,921 | 225 | NFP |
| Green Lawn Fertilizing, LLC | $0 | — | 218 | — |
| The Krapf Bus Companies | $0 | $9,216 | 218 | Innovative Benefit Planning, LLC |
| Anro, Inc. | $0 | $72,603 | 140 | Gis Benefits Inc. |
| Technical Professionals Group, LLC | $0 | $68,580 | 131 | Marsh McLennan Agency |
| Infiniti of West Chester, Inc. | $0 | — | 117 | — |
| Quadratec, Inc. | $0 | $14,285 | 110 | 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 West Chester employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Willis Towers Watson | $725,981 | 2 |
| Mercer | $388,811 | 3 |
| Flexible Benefit Plans, Inc. | $286,554 | 1 |
| Strategic Non-Medical Solution | $253,056 | 1 |
| Gallagher | $240,576 | 2 |
| Corporate Synergies | $231,451 | 1 |
| Marsh McLennan Agency | $213,525 | 2 |
| Lockton | $157,311 | 1 |
| PCF Insurance Srvcs of the West LLC | $111,088 | 1 |
| USI Insurance Services | $94,214 | 1 |
Largest medical carriers
Medical premium written for these employers.
West Chester 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.
| West Chester | Pennsylvania | United States | |
|---|---|---|---|
| Employer plans | 23 | 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 | $106,049 | $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, 24 West Chester employers reported $81M in premiums and $2.7M in broker pay for 44,446 participants; in 2024 it was $75M and $3.2M for 39,003 participants (premiums −7.6%, broker pay +15.1%).
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 West Chester employers pay health insurance brokers?
23 West Chester employers reported $3,161,581 in broker commissions and fees on their 2024 Form 5500 filings, 18 of them disclosing at least some compensation. Too few fully insured medical plans in West Chester 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 West Chester employer that disclosed broker pay reported $106,049.
Which West Chester employers have the largest health plans?
By insurance premium reported for 2024, Communications Test Design, Inc. ($69M), Accesslex Institute ($2.2M), QVC, Inc. ($1.8M) lead. 23 West Chester employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in West Chester?
By compensation reported by West Chester employers, the largest brokers are Willis Towers Watson ($725,981, 2 plans), Mercer ($388,811, 3 plans), Flexible Benefit Plans, Inc. ($286,554, 1 plans). By medical premium, the largest carriers are Independence Blue Cross, Blue Cross and Blue Shield of Alabama, Cigna Health and Life Insurance Company.
Are West Chester employer health plans self-funded or fully insured?
Of 23 West Chester employer plans, 5 are fully insured, 8 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 Pennsylvania
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