Pawtucket, Rhode Island employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
15 employers in Pawtucket, Rhode Island filed health plans with 100 or more participants for plan year 2024, covering 10,144 participants. They reported $5.2M in insurance premiums and $1.0M in broker commissions and fees. Against 2023, premiums were up 6.5% and broker pay rose 41.6%.
Funding: 3 fully insured · 2 self-funded · 10 mixed. 12 of 15 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Pawtucket
Pawtucket employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Coastal1 Credit Union | $4,559,337 | $56,866 | 278 | Sylvia Group |
| Hasbro, Inc. | $400,528 | $17,674 | 4,191 | Custom Benefit Programs |
| Collette Travel Service Inc | $120,745 | $136,689 | 845 | USI Insurance Services |
| Blackstone Valley Community Health Care, Inc. | $73,736 | $83,663 | 175 | Gallagher |
| Anchor Insulation Company | $61,473 | $46,797 | 154 | Brown & Brown |
| Teknor Apex Company | $0 | $1,521 | 1,589 | Willis Towers Watson |
| Encore Holdings, LLC | $0 | $303,022 | 1,187 | USI Insurance Services |
| Pet Food Experts LLC | $0 | $73,808 | 394 | Hilb Group of New England |
| The Arc of Blackstone Valley | $0 | $24,550 | 307 | Starkweather & Shepley Insurance |
| Health Concepts, LTD | $0 | $103,681 | 295 | NFP |
| The Cooley Group | $0 | $70,901 | 189 | James Moniz |
| Key Container Corporation | $0 | $42,538 | 171 | Hilb Group of New England |
| International Packaging Corporation | $0 | $27,100 | 152 | Hilb Group of New England |
| Visual Creations, Inc. | $0 | $23,733 | 109 | Hilb Group of New England |
| Southern New England Health Care for Women, LLC | $0 | $15,720 | 108 | Hilb Group of New England |
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 Pawtucket employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| USI Insurance Services | $317,759 | 2 |
| Hilb Group of New England | $195,644 | 7 |
| Gallagher | $83,705 | 2 |
| NFP | $67,103 | 1 |
| James Moniz | $50,339 | 1 |
| Emerson Rogers, LLC | $44,399 | 1 |
| Sylvia Group | $33,710 | 1 |
| The Schuster Group | $31,773 | 1 |
| Starkweather and Shepley Inc | $29,486 | 2 |
| Brown & Brown | $18,160 | 1 |
Largest medical carriers
Medical premium written for these employers.
Pawtucket 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.
| Pawtucket | Rhode Island | United States | |
|---|---|---|---|
| Employer plans | 15 | 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 | $46,797 | $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, 15 Pawtucket employers reported $4.9M in premiums and $726,026 in broker pay for 9,958 participants; in 2024 it was $5.2M and $1.0M for 10,144 participants (premiums +6.5%, broker pay +41.6%).
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 Pawtucket employers pay health insurance brokers?
15 Pawtucket employers reported $1,028,263 in broker commissions and fees on their 2024 Form 5500 filings, 15 of them disclosing at least some compensation. Too few fully insured medical plans in Pawtucket 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 Pawtucket employer that disclosed broker pay reported $46,797.
Which Pawtucket employers have the largest health plans?
By insurance premium reported for 2024, Coastal1 Credit Union ($4.6M), Hasbro, Inc. ($400,528), Collette Travel Service Inc ($120,745) lead. 15 Pawtucket employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Pawtucket?
By compensation reported by Pawtucket employers, the largest brokers are USI Insurance Services ($317,759, 2 plans), Hilb Group of New England ($195,644, 7 plans), Gallagher ($83,705, 2 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of Rhode Island, Ansel Services, Kaiser Foundation Health Plan, Inc..
Are Pawtucket employer health plans self-funded or fully insured?
Of 15 Pawtucket employer plans, 3 are fully insured, 2 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 Rhode Island
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