Johnson City, Tennessee employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
16 employers in Johnson City, Tennessee filed health plans with 100 or more participants for plan year 2024, covering 18,248 participants. They reported $22M in insurance premiums and $3.3M in broker commissions and fees. Against 2023, premiums were down 8.8% and broker pay rose 12.1%.
Funding: 7 fully insured · 6 self-funded · 3 mixed. 9 of 16 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Johnson City
Johnson City employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Ballad Health | $6,732,008 | $1,072,153 | 10,709 | Marsh McLennan Agency |
| Crown Laboratories Inc. | $5,057,177 | $283,448 | 647 | Marsh McLennan Agency |
| Bank of Tennessee | $2,144,986 | $86,148 | 243 | Hanes Torbett |
| Care Centers Management Consulting, Inc. | $1,997,986 | $97,743 | 267 | Andrew Mann |
| Borla Performance Industries, Inc. | $1,951,154 | $136,321 | 242 | Stephen Hungate |
| Meade Holdings, LLC | $1,655,204 | $98,158 | 249 | Carl Greear |
| Lpi, Inc. | $1,402,161 | $46,608 | 517 | The Cason Group Inc |
| Sofha Employment Services, Inc. | $616,259 | $203,354 | 1,005 | The Baldwin Group |
| Mullican Flooring, L.P. | $127,244 | $95,071 | 656 | Lyman A. Fulton |
| General Shale Brick, Inc. | $0 | $255,782 | 2,055 | The Baldwin Group |
| Labconnect, LLC | $0 | $417,238 | 623 | Jack Wilkinson |
| Summers Taylor, Inc. | $0 | $96,658 | 418 | Russell W. Ingram |
| Watauga Orthopaedics, PLC | $0 | $82,188 | 220 | Employee Benefit Consultants |
| United Coal Company LLC | $0 | $160,312 | 157 | Houchens Insurance Group, Inc. |
| Blackburn, Childers & Steagall, PLC | $0 | $52,502 | 128 | Joseph Hoilman |
| Johnson City Eye Clinic and Surgery Center | $0 | $74,263 | 112 | Taylor Lindsey |
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 Johnson City employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Marsh McLennan Agency | $1,452,916 | 4 |
| The Baldwin Group | $464,188 | 5 |
| Andrew Mann | $126,555 | 2 |
| Jack Wilkinson | $108,267 | 1 |
| William Fisher | $108,267 | 1 |
| Megan McCullough | $96,921 | 1 |
| Russell W. Ingram | $87,635 | 1 |
| Hanes Torbett | $78,970 | 1 |
| Stephen Hungate | $71,129 | 1 |
| Houchens Insurance Group, Inc. | $65,003 | 1 |
Largest medical carriers
Medical premium written for these employers.
Johnson City against Tennessee 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.
| Johnson City | Tennessee | United States | |
|---|---|---|---|
| Employer plans | 16 | 1,276 | 58,547 |
| Median commission rate | n/a | 3.9% | 3.8% |
| Middle half of rates | n/a | 3.3% – 5.3% | 2.7% – 5.0% |
| Median broker pay per employer | $97,951 | $82,913 | $72,628 |
| Medical premium per covered person | n/a | $5,747 | $7,274 |
| Plans reporting no commission | 1 | 13 | 933 |
Year over year. In plan year 2023, 16 Johnson City employers reported $24M in premiums and $2.9M in broker pay for 16,800 participants; in 2024 it was $22M and $3.3M for 18,248 participants (premiums −8.8%, broker pay +12.1%).
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 Johnson City employers pay health insurance brokers?
16 Johnson City employers reported $3,257,947 in broker commissions and fees on their 2024 Form 5500 filings, 16 of them disclosing at least some compensation. Too few fully insured medical plans in Johnson City reported premium to compute a stable commission rate; the Tennessee median is 3.9% and the U.S. median is 3.8%. In dollars, the median Johnson City employer that disclosed broker pay reported $97,951.
Which Johnson City employers have the largest health plans?
By insurance premium reported for 2024, Ballad Health ($6.7M), Crown Laboratories Inc. ($5.1M), Bank of Tennessee ($2.1M) lead. 16 Johnson City employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Johnson City?
By compensation reported by Johnson City employers, the largest brokers are Marsh McLennan Agency ($1.5M, 4 plans), The Baldwin Group ($464,188, 5 plans), Andrew Mann ($126,555, 2 plans). By medical premium, the largest carriers are Bluecross Blueshield of Tennessee, Inc., Kaiser Foundation Health Plan, Inc., American Heritage Life Insurance Company.
Are Johnson City employer health plans self-funded or fully insured?
Of 16 Johnson City employer plans, 7 are fully insured, 6 are self-funded and 3 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 Tennessee
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