York, Pennsylvania employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
49 employers in York, Pennsylvania filed health plans with 100 or more participants for plan year 2024, covering 40,909 participants. They reported $3.0M in insurance premiums and $2.7M in broker commissions and fees. Against 2023, premiums were down 3.6% and broker pay fell 10.9%.
Funding: 7 fully insured · 40 self-funded · 2 mixed. 42 of 49 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in York
York employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Conrad Company Holdings LLC | $2,259,683 | $19,521 | 217 | Benefitsdna, LLC |
| Wagman, Inc. | $216,563 | $58,902 | 472 | American Insurance Administrators |
| JMM Services, Inc | $131,966 | — | 102 | Insurance Applications Group |
| ST. Onge Company | $100,783 | $35,758 | 176 | Timothy Michael Mulroy |
| Maple Donuts, Inc. | $93,605 | $28,645 | 333 | Engle, Hambright & Davies, Inc. |
| Stewart Employee Benefit Trust | $41,892 | $127,366 | 1,304 | Kelly & Associates Insurance Group |
| Rutters Holdings, Inc. | $40,411 | $22,480 | 420 | James R. Nelligan & Associates, LLC |
| Shipley Group, L.P. | $28,549 | $39,427 | 388 | Ingroup Associates, Inc. |
| D F Stauffer Biscuit Co Inc | $25,545 | $44,035 | 423 | Engle-Hambright & Davies |
| New Standard Corporation | $25,504 | $10,606 | 226 | Ingroup Associates Inc |
| Family First Health | $23,443 | $11,970 | 226 | McConkey Bnfts & FNCL SVCS LLC |
| The Shadowfax Corporation | $15,518 | $8,573 | 164 | American Insurance Administrators |
| Graham Engineering Company LLC | $9,144 | $60,558 | 148 | Marsh McLennan Agency |
| Bell Socialization Services, Inc. | $6,535 | $48,019 | 157 | Emerson, Rogers LLC |
| The Maple Press Company | $6,429 | $4,295 | 293 | Ingroup Associates, Inc. |
| H. E. S., Inc. | $6,178 | $32,189 | 118 | Engle-Hambright & Davies Inc |
| Wellspan Health | $0 | $741,715 | 23,642 | Martin R Miracle |
| Kinsley Construction Inc. | $0 | $89,106 | 2,218 | Gis Benefits |
| Voith US, Inc. | $0 | $42,559 | 2,177 | Custom Benefit Programs, Inc. |
| Rhi US LTD | $0 | $301,184 | 817 | Aon |
| Oss Health | $0 | $8,976 | 550 | Multiple Brokers (see Appendix) |
| York College of Pennsylvania | $0 | $30,750 | 542 | Robert G Relph Agency Inc |
| A&S Services Group, LLC | $0 | $399,050 | 496 | Cypress Benefits Group Inc. |
| York Container Company | $0 | $102,365 | 367 | McConkey Benefits and Financial Ser |
| C. P. Converters, Inc. | $0 | — | 362 | — |
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 York employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Martin R. Miracle | $588,556 | 1 |
| Aon | $272,279 | 2 |
| Cypress Benefits Group Inc | $261,348 | 1 |
| Marsh McLennan Agency | $104,506 | 2 |
| Engle-Hambright & Davies Inc | $86,948 | 3 |
| USI Insurance Services | $84,175 | 1 |
| Kelly & Associates Insurance Group | $80,855 | 1 |
| Cfa LLC | $78,080 | 1 |
| Creative Benefits Inc | $72,185 | 2 |
| Optavise, LLC | $63,359 | 1 |
Largest medical carriers
Medical premium written for these employers.
York 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.
| York | Pennsylvania | United States | |
|---|---|---|---|
| Employer plans | 49 | 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 | $40,055 | $57,332 | $72,628 |
| Medical premium per covered person | n/a | $7,621 | $7,274 |
| Plans reporting no commission | 1 | 54 | 933 |
Year over year. In plan year 2023, 52 York employers reported $3.1M in premiums and $3.0M in broker pay for 34,415 participants; in 2024 it was $3.0M and $2.7M for 40,909 participants (premiums −3.6%, broker pay −10.9%).
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 York employers pay health insurance brokers?
49 York employers reported $2,715,066 in broker commissions and fees on their 2024 Form 5500 filings, 34 of them disclosing at least some compensation. Too few fully insured medical plans in York 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 York employer that disclosed broker pay reported $40,055.
Which York employers have the largest health plans?
By insurance premium reported for 2024, Conrad Company Holdings LLC ($2.3M), Wagman, Inc. ($216,563), JMM Services, Inc ($131,966) lead. 25 York employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in York?
By compensation reported by York employers, the largest brokers are Martin R. Miracle ($588,556, 1 plans), Aon ($272,279, 2 plans), Cypress Benefits Group Inc ($261,348, 1 plans). By medical premium, the largest carriers are Capital Advantage Assurance Company, BCS Insurance Company, Aetna Life Insurance Company.
Are York employer health plans self-funded or fully insured?
Of 49 York employer plans, 7 are fully insured, 40 are self-funded and 2 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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