Knoxville, Tennessee employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
109 employers in Knoxville, Tennessee filed health plans with 100 or more participants for plan year 2024, covering 103,374 participants. They reported $139M in insurance premiums and $15M in broker commissions and fees. The median broker rate on commission-paying, fully insured medical plans was 4.3% of premium, against 3.9% across Tennessee and 3.8% nationally. Against 2023, premiums were up 13.9% and broker pay rose 3.9%.
Funding: 41 fully insured · 31 self-funded · 37 mixed. 68 of 109 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Knoxville
Knoxville employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Anderson Management Services, Inc | $12,913,697 | $200,935 | 1,622 | Marsh McLennan Agency |
| East Tennessee Children's Hospital | $11,944,331 | $243,798 | 1,660 | Willis Towers Watson |
| Hes Facilities Management | $8,446,792 | $534,036 | 5,063 | Lockton |
| University Physicians Association Inc. | $7,327,740 | $329,432 | 983 | Austin L Madison |
| Functional Pathways of Tenn, LLC. | $5,924,304 | $386,687 | 1,023 | OneDigital |
| Covenant Health | $4,576,827 | $1,030,443 | 10,134 | Alliant Insurance Services |
| Highway Transport Logistics, Inc. | $4,461,134 | $301,135 | 595 | Christopher Poynter |
| Pilot Travel Centers, LLC | $4,153,525 | $5,524 | 26,756 | William Edward Thompson |
| Ameriteam Services | $4,060,684 | $1,193,134 | 13,216 | Willis Towers Watson |
| Vehlo Purchaser, LLC | $4,045,535 | $189,852 | 458 | Ryan Grose |
| Marine Accessories, Inc. | $3,921,365 | $224,358 | 599 | Christopher Poynter |
| House Hasson Hardware Co., Inc. | $3,761,043 | $188,925 | 472 | Christopher Poynter |
| Mortgage Investors Group | $3,499,764 | $207,373 | 216 | Edward Owens |
| Axle Logistics , LLC | $3,487,029 | $201,118 | 553 | Lindsay Serfass |
| Professional Project Services dba Pro2serve | $3,332,088 | $165,814 | 288 | Andrew Rader |
| Edfinancial Holdings, LLC | $3,051,226 | $180,308 | 1,349 | Robert Peace |
| Allergy Associates, PA | $2,916,060 | $136,132 | 229 | Kevin Gardner |
| Dominion Development Group, LLC | $2,769,814 | $160,772 | 520 | Matthew Taylor |
| Master Service Companies, LLC | $2,649,330 | $129,168 | 374 | Robert Houghton |
| K-Trans Management, Inc. | $2,611,591 | $212,544 | 257 | Benjamin Kelly |
| Charles Tombras Advertising, Inc. | $2,412,548 | $208,884 | 369 | Benjamin Kelly |
| Profitsolv Purchaser, Inc. | $2,293,744 | $154,188 | 254 | Ryan Grose |
| Southeastern Retina Associates, P.C. | $2,069,909 | $6,027 | 291 | Higginbotham |
| Rusty Wallace Auto Group | $2,002,642 | $101,619 | 243 | Meredith Sheetz |
| Tindells, Inc. | $1,995,303 | $102,161 | 241 | Brian Jones |
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 Knoxville employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Willis Towers Watson | $1,592,616 | 8 |
| The Baldwin Group | $1,472,790 | 26 |
| Alliant Insurance Services | $1,193,166 | 4 |
| Christopher Poynter | $805,460 | 8 |
| Higginbotham | $686,130 | 9 |
| HUB International | $610,998 | 7 |
| Gallagher | $608,929 | 5 |
| Marsh McLennan Agency | $574,874 | 8 |
| Ryan Grose | $405,389 | 4 |
| Lockton | $363,176 | 5 |
Largest medical carriers
Medical premium written for these employers.
Knoxville 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.
| Knoxville | Tennessee | United States | |
|---|---|---|---|
| Employer plans | 109 | 1,276 | 58,547 |
| Median commission rate | 4.3% (35 plans) | 3.9% | 3.8% |
| Middle half of rates | 3.7% – 5.2% | 3.3% – 5.3% | 2.7% – 5.0% |
| Median broker pay per employer | $93,085 | $82,913 | $72,628 |
| Medical premium per covered person | $5,296 | $5,747 | $7,274 |
| Plans reporting no commission | 1 | 13 | 933 |
Year over year. In plan year 2023, 109 Knoxville employers reported $122M in premiums and $14M in broker pay for 103,982 participants; in 2024 it was $139M and $15M for 103,374 participants (premiums +13.9%, broker pay +3.9%).
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 Knoxville employers pay health insurance brokers?
109 Knoxville employers reported $14,778,906 in broker commissions and fees on their 2024 Form 5500 filings, 106 of them disclosing at least some compensation. Among 35 commission-paying, fully insured medical plans, the median broker rate was 4.3% of premium, 0.5 points above the Tennessee median of 3.9% and 0.6 points above the U.S. median of 3.8%. In dollars, the median Knoxville employer that disclosed broker pay reported $93,085.
Which Knoxville employers have the largest health plans?
By insurance premium reported for 2024, Anderson Management Services, Inc ($13M), East Tennessee Children's Hospital ($12M), Hes Facilities Management ($8.4M) lead. 25 Knoxville employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Knoxville?
By compensation reported by Knoxville employers, the largest brokers are Willis Towers Watson ($1.6M, 8 plans), The Baldwin Group ($1.5M, 26 plans), Alliant Insurance Services ($1.2M, 4 plans). By medical premium, the largest carriers are Bluecross Blueshield of Tennessee, Inc., Bluecross Blueshield of Texas, Blue Cross and Blue Shield of Alabama.
Are Knoxville employer health plans self-funded or fully insured?
Of 109 Knoxville employer plans, 41 are fully insured, 31 are self-funded and 37 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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