Spartanburg, South Carolina employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
43 employers in Spartanburg, South Carolina filed health plans with 100 or more participants for plan year 2024, covering 39,273 participants. They reported $26M in insurance premiums and $4.4M in broker commissions and fees. Against 2023, premiums were down 22.7% and broker pay rose 16.7%.
Funding: 10 fully insured · 24 self-funded · 9 mixed. 33 of 43 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Spartanburg
Spartanburg employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| White Oak Management, Inc. | $11,341,826 | $104,985 | 951 | Direct Agents |
| The Merit Distribution Group, LLC | $6,309,372 | $189,745 | 369 | Lockton |
| Carolina Orthopaedic & Neurosurgical Associates | $1,764,691 | $114,995 | 200 | The Hilb Group of South Carolina |
| Insulfab Plastics, Inc. | $1,248,093 | $22,933 | 118 | USI Insurance Services |
| Spartanburg Methodist College | $1,242,019 | $71,810 | 163 | USI Insurance Services |
| Dare Foods Incorporated | $1,159,571 | $61,121 | 107 | USI Insurance Services |
| Oilmens Equipment Corporation | $1,039,916 | $62,445 | 120 | Marsh McLennan Agency |
| Piedmont Community Actions, Inc. | $902,968 | $67,467 | 119 | Longleaf Advisors, Inc. |
| Rims USA LLC | $802,781 | $43,997 | 182 | John Wofford |
| Benson Nissan, Inc | $570,536 | $61,019 | 187 | The HLB Group of SC LLC |
| BMW Manufacturing Co., LLC | $0 | — | 9,938 | — |
| Milliken & Company | $0 | $656,798 | 5,531 | Mercer |
| Apella Health Management | $0 | $426,249 | 4,852 | Summit Group of Virginia |
| Denny's Inc. | $0 | $21,842 | 2,883 | Lockton |
| Security Group, Inc. | $0 | $316,000 | 2,306 | Fmlasource Inc. |
| Mobile Communications America, Inc. | $0 | $112,603 | 1,312 | Gallagher |
| Oto Development, LLC | $0 | $112,681 | 1,242 | Explain MY Benefits LLC. |
| Tindall Corporation | $0 | $302,177 | 1,102 | Champion Benefits, an Alera Group a |
| American Credit Acceptance, LLC | $0 | $31,536 | 1,040 | Stephens Insurance, LLC |
| Hospice Care of South Carolina, LLC | $0 | $277,942 | 800 | Forester Benefits Management, LLC |
| Redsail Technologies, LLC | $0 | $22,085 | 670 | Johnny C. Huneycutt |
| Contec, Inc. | $0 | $67,457 | 635 | Benner B Crigler |
| Wofford College | $0 | $120,819 | 542 | USI Insurance Services |
| The Charles Lea Center, Inc. | $0 | $34,367 | 416 | Marsh McLennan Agency |
| Spartanburg Steel Products, Inc. | $0 | $60,313 | 326 | HUB International |
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 Spartanburg employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Marsh McLennan Agency | $321,175 | 10 |
| Mercer | $315,757 | 2 |
| USI Insurance Services | $303,553 | 6 |
| Summit Group of Virginia | $291,504 | 1 |
| Lockton | $205,417 | 2 |
| Champion Benefits, an Alera Group a | $181,762 | 1 |
| Forester Benefits Management LLC | $146,777 | 1 |
| Preferred Benefits LLC | $129,046 | 1 |
| NFP | $127,389 | 2 |
| Custom Benefit Programs Inc | $121,472 | 1 |
Largest medical carriers
Medical premium written for these employers.
Spartanburg against South Carolina 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.
| Spartanburg | South Carolina | United States | |
|---|---|---|---|
| Employer plans | 43 | 612 | 58,547 |
| Median commission rate | n/a | 3.9% | 3.8% |
| Middle half of rates | n/a | 2.7% – 4.4% | 2.7% – 5.0% |
| Median broker pay per employer | $61,783 | $73,727 | $72,628 |
| Medical premium per covered person | $10,288 | $10,873 | $7,274 |
| Plans reporting no commission | 1 | 37 | 933 |
Year over year. In plan year 2023, 45 Spartanburg employers reported $34M in premiums and $3.8M in broker pay for 37,620 participants; in 2024 it was $26M and $4.4M for 39,273 participants (premiums −22.7%, broker pay +16.7%).
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 Spartanburg employers pay health insurance brokers?
43 Spartanburg employers reported $4,442,123 in broker commissions and fees on their 2024 Form 5500 filings, 42 of them disclosing at least some compensation. Too few fully insured medical plans in Spartanburg reported premium to compute a stable commission rate; the South Carolina median is 3.9% and the U.S. median is 3.8%. In dollars, the median Spartanburg employer that disclosed broker pay reported $61,783.
Which Spartanburg employers have the largest health plans?
By insurance premium reported for 2024, White Oak Management, Inc. ($11M), The Merit Distribution Group, LLC ($6.3M), Carolina Orthopaedic & Neurosurgical Associates ($1.8M) lead. 25 Spartanburg employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Spartanburg?
By compensation reported by Spartanburg employers, the largest brokers are Marsh McLennan Agency ($321,175, 10 plans), Mercer ($315,757, 2 plans), USI Insurance Services ($303,553, 6 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of South Carolina, Bluechoice Healthplan, Bluechoice Healthplan South Carolina.
Are Spartanburg employer health plans self-funded or fully insured?
Of 43 Spartanburg employer plans, 10 are fully insured, 24 are self-funded and 9 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 South Carolina
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