Cranston, Rhode Island employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
19 employers in Cranston, Rhode Island filed health plans with 100 or more participants for plan year 2024, covering 11,743 participants. They reported $14M in insurance premiums and $1.9M in broker commissions and fees. Against 2023, premiums were down 68.8% and broker pay fell 11.0%.
Funding: 5 fully insured · 3 self-funded · 11 mixed. 14 of 19 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Cranston
Cranston employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Tasca Automotive Group LLC | $13,857,131 | $212,767 | 1,627 | Connor & Gallagher Benefits Service |
| Procaccianti Companies, Inc. | $0 | $95,321 | 2,056 | Mercer |
| Gateway US Holdings, Inc. | $0 | $377,176 | 1,769 | The Baldwin Group |
| Swarovski North America Limited | $0 | $97,665 | 1,527 | EPIC Insurance Brokers |
| Board of Trustees, IBEW Local Union No. 99 Health and Welfare Fund | $0 | $16,855 | 800 | Gallagher |
| Taco, Inc. | $0 | $183,866 | 614 | Starkweather and Shepley Inc |
| The Rise Group | $0 | $84,909 | 582 | C M Smith Agency LLC |
| Technic, Inc. | $0 | $106,506 | 398 | Hilb Group of New England |
| Falvey Linen Supply | $0 | $71,308 | 337 | Starkweather & Shepley, Inc. |
| American Iron & Metal USA, Inc. | $0 | $141,829 | 318 | HUB International |
| Nelipak Corporation | $0 | $107,564 | 254 | Lockton |
| Luxury Brand Holdings, Inc. | $0 | $69,358 | 252 | OneDigital |
| Comprehensive Community Action Program, Inc. | $0 | $55,655 | 250 | Hilb Group of New England |
| Accesspoint Ri | $0 | $30,159 | 242 | Hilb Group of New England |
| Mearthane Products Corporation | $0 | $78,180 | 199 | OneDigital |
| Codac, Inc. | $0 | $15,111 | 148 | Pgia Inc |
| Millwork One, Inc. | $0 | $53,811 | 129 | Hilb Group of New England |
| The Jan Companies | $0 | $85,796 | 129 | Gallagher |
| Swarovski Optik North America, LTD. Swarovski Optik | $0 | $20,040 | 112 | EPIC Insurance Brokers |
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 Cranston employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| The Baldwin Group | $288,029 | 1 |
| Hilb Group of New England | $240,369 | 4 |
| Connor & Gallagher Benefits Service | $203,695 | 1 |
| Starkweather and Shepley Inc | $172,539 | 2 |
| HUB International | $141,829 | 1 |
| OneDigital | $133,078 | 2 |
| EPIC Insurance Brokers | $117,561 | 2 |
| Lockton | $107,709 | 2 |
| Mercer | $95,321 | 1 |
| Burnham Benefits | $89,147 | 1 |
Largest medical carriers
Medical premium written for these employers.
Cranston against Rhode Island 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.
| Cranston | Rhode Island | United States | |
|---|---|---|---|
| Employer plans | 19 | 195 | 58,547 |
| Median commission rate | n/a | 1.0% | 3.8% |
| Middle half of rates | n/a | 0.2% – 3.0% | 2.7% – 5.0% |
| Median broker pay per employer | $84,909 | $55,655 | $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, 21 Cranston employers reported $44M in premiums and $2.1M in broker pay for 12,160 participants; in 2024 it was $14M and $1.9M for 11,743 participants (premiums −68.8%, broker pay −11.0%).
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 Cranston employers pay health insurance brokers?
19 Cranston employers reported $1,903,876 in broker commissions and fees on their 2024 Form 5500 filings, 19 of them disclosing at least some compensation. Too few fully insured medical plans in Cranston reported premium to compute a stable commission rate; the Rhode Island median is 1.0% and the U.S. median is 3.8%. In dollars, the median Cranston employer that disclosed broker pay reported $84,909.
Which Cranston employers have the largest health plans?
By insurance premium reported for 2024, Tasca Automotive Group LLC ($14M), Procaccianti Companies, Inc. ($0), Gateway US Holdings, Inc. ($0) lead. 19 Cranston employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Cranston?
By compensation reported by Cranston employers, the largest brokers are The Baldwin Group ($288,029, 1 plans), Hilb Group of New England ($240,369, 4 plans), Connor & Gallagher Benefits Service ($203,695, 1 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of Rhode Island, Hawaii Medical Service Association, Harvard Pilgrim Health Care of Ne Inc.
Are Cranston employer health plans self-funded or fully insured?
Of 19 Cranston employer plans, 5 are fully insured, 3 are self-funded and 11 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 Rhode Island
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