Murfreesboro, Tennessee employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
25 employers in Murfreesboro, Tennessee filed health plans with 100 or more participants for plan year 2024, covering 31,500 participants. They reported $20M in insurance premiums and $4.6M in broker commissions and fees. Against 2023, premiums were up 64.1% and broker pay fell 11.3%.
Funding: 10 fully insured · 11 self-funded · 4 mixed. 15 of 25 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Murfreesboro
Murfreesboro employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Helix Traffic Solutions, LLC | $7,287,720 | $519,944 | 1,897 | Ryan Rothrock |
| Health Services Management of Tennessee, LLC | $4,796,361 | $284,652 | 1,081 | Marsh McLennan Agency |
| Schwan Cosmetics USA, Inc. | $2,165,131 | $91,351 | 271 | Willis Towers Watson |
| Livtech Purchaser, Inc. | $2,078,198 | $104,960 | 245 | Ryan Grose |
| Firstfleet, Inc. | $1,320,638 | $492,356 | 2,731 | Lockton |
| Middle Tennessee Electric Membership Corporation | $592,401 | $263,053 | 584 | The Baldwin Group |
| Enovate Medical LLC | $401,418 | $59,981 | 192 | Alliant Insurance Services |
| Venture Express, Inc. | $365,160 | $343,521 | 1,106 | AssuredPartners |
| First Community Mortgage, Inc | $251,269 | $158,858 | 324 | Chase Sinquefield |
| Steelsummit Holdings, Inc. | $201,142 | $66,644 | 283 | CBIZ |
| Kasai North America, Inc. | $181,282 | $442,006 | 1,686 | The Baldwin Group |
| Murfreesboro Medical Clinic, PA | $66,394 | $138,709 | 766 | OneDigital |
| National Health Corporation | $0 | $871,398 | 10,179 | Pancoast & Associates, Inc. |
| SRM Concrete, LLC | $0 | $8,773 | 7,449 | Brown & Brown |
| Backer Ehp, Inc | $0 | — | 633 | — |
| Tracie McCormick, Inc. | $0 | $123,385 | 398 | AssuredPartners |
| Twelvestone Health Partners, Inc. | $0 | $86,107 | 344 | Marsh McLennan Agency |
| Metalmax, LLC | $0 | $176,904 | 266 | Miller Loughry Beach Ins |
| Wegmann Automotive USA, Inc. | $0 | $63,767 | 263 | OneDigital |
| Key Rehabilitation Inc | $0 | $93,693 | 201 | Marsh McLennan Agency |
| Roscoe Brown, Inc. | $0 | $43,584 | 157 | James E McElhaney |
| Wiser | $0 | $16,961 | 127 | Brown & Brown |
| Reading for Education, LLC | $0 | $28,728 | 112 | April Ashburn |
| Next Solutions, LLC | $0 | $37,494 | 104 | Propel Insurance Agency, LLC |
| Middle Tennessee Christian School | $0 | $61,860 | 101 | Pancoast and Associates, Inc. |
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 Murfreesboro employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Pancoast & Associates, Inc. | $812,310 | 2 |
| The Baldwin Group | $666,422 | 2 |
| AssuredPartners | $438,419 | 2 |
| Lockton | $427,472 | 1 |
| Marsh McLennan Agency | $321,034 | 5 |
| Ryan Rothrock | $274,248 | 1 |
| Miller Loughry Beach Ins | $206,087 | 2 |
| OneDigital | $202,476 | 2 |
| Brown & Brown | $189,750 | 3 |
| Forester Benefits Management LLC | $120,948 | 1 |
Largest medical carriers
Medical premium written for these employers.
Murfreesboro 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.
| Murfreesboro | Tennessee | United States | |
|---|---|---|---|
| Employer plans | 25 | 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 | $99,327 | $82,913 | $72,628 |
| Medical premium per covered person | n/a | $5,747 | $7,274 |
| Plans reporting no commission | 0 | 13 | 933 |
Year over year. In plan year 2023, 26 Murfreesboro employers reported $12M in premiums and $5.2M in broker pay for 30,779 participants; in 2024 it was $20M and $4.6M for 31,500 participants (premiums +64.1%, broker pay −11.3%).
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 Murfreesboro employers pay health insurance brokers?
25 Murfreesboro employers reported $4,578,689 in broker commissions and fees on their 2024 Form 5500 filings, 24 of them disclosing at least some compensation. Too few fully insured medical plans in Murfreesboro 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 Murfreesboro employer that disclosed broker pay reported $99,327.
Which Murfreesboro employers have the largest health plans?
By insurance premium reported for 2024, Helix Traffic Solutions, LLC ($7.3M), Health Services Management of Tennessee, LLC ($4.8M), Schwan Cosmetics USA, Inc. ($2.2M) lead. 25 Murfreesboro employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Murfreesboro?
By compensation reported by Murfreesboro employers, the largest brokers are Pancoast & Associates, Inc. ($812,310, 2 plans), The Baldwin Group ($666,422, 2 plans), AssuredPartners ($438,419, 2 plans). By medical premium, the largest carriers are Bluecross Blueshield of Tennessee, Inc., Cigna Health and Life Insurance Company, Cigna.
Are Murfreesboro employer health plans self-funded or fully insured?
Of 25 Murfreesboro employer plans, 10 are fully insured, 11 are self-funded and 4 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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