Dallas, Texas employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
553 employers in Dallas, Texas filed health plans with 100 or more participants for plan year 2024, covering 1,215,134 participants. They reported $288M in insurance premiums and $84M in broker commissions and fees. The median broker rate on commission-paying, fully insured medical plans was 2.5% of premium, against 5.6% across Texas and 3.8% nationally. Against 2023, premiums were down 11.0% and broker pay rose 0.8%.
Funding: 141 fully insured · 207 self-funded · 205 mixed. 412 of 553 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Dallas
Dallas employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| AT&T Inc. | $183,576,074 | $453,032 | 302,269 | Strategic Non-Medical Solutions LLC |
| International Marina Group I, LP | $22,000,486 | $97,429 | 3,318 | NFP |
| Jacobs Engineering Group Inc. | $12,133,596 | $1,015,155 | 30,202 | Willis Towers Watson |
| New Dairy Opco, LLC | $7,714,749 | $369,262 | 860 | Lockton |
| Atmos Energy Corporation | $7,455,799 | $4,042 | 4,951 | Reuben Warner Associates, Inc |
| Austin Industries, Inc. | $6,351,667 | $623,338 | 6,920 | Holmes Murphy |
| McKool Smith, P.C. | $5,007,688 | $208,884 | 219 | Lockton |
| Compx International Inc | $4,090,325 | $257,820 | 545 | Stealth Partner Group LLC |
| Eye Care Associates SC LLC | $3,824,433 | $129,272 | 263 | NFP |
| Risk Theory, LLC | $3,722,446 | $158,113 | 345 | Brightline Dealer Advisors,llc |
| Tenerity Inc. | $2,542,789 | $30,529 | 207 | EPIC Insurance Brokers |
| Legacy Senior Communities | $2,378,679 | $187,255 | 481 | Marsh McLennan Agency |
| Locke Lord LLP | $2,373,921 | $192,844 | 932 | Lockton |
| Texas Instruments Incorporated | $2,292,766 | $288,377 | 14,441 | Willis Towers Watson |
| HFS Holding Corporation | $1,609,360 | $111,018 | 180 | Boxwood Insurance Group, LLC |
| Jackson Walker L.L.P. | $1,479,148 | $137,572 | 827 | Lockton |
| Twin Restaurant Holdings, LLC | $1,431,510 | $35,899 | 233 | Marsh McLennan Agency |
| Trustees of IBEW - Neca Swhbf | $1,416,254 | — | 9,353 | — |
| Aperia Solutions, Inc. | $1,386,893 | $109,562 | 134 | Gallagher |
| Trinity Industries, Inc. | $1,183,280 | $246,984 | 2,131 | Holmes Murphy |
| D & M Holding, Inc. | $1,141,657 | $81,692 | 164 | Marsh McLennan Agency |
| Winstead PC | $1,062,970 | $182,920 | 575 | Holmes Murphy |
| Trustees of the Isas Group Benefits Trust | $917,208 | $281,877 | 4,033 | Holmes Murphy |
| LMR Technical Group, LLC | $872,119 | $67,043 | 139 | Lockton |
| AECOM | $865,489 | $4,668,958 | 18,454 | Aon |
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 Dallas employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Lockton | $12,903,900 | 101 |
| Marsh McLennan Agency | $8,864,692 | 95 |
| Gallagher | $5,430,561 | 33 |
| Willis Towers Watson | $5,170,584 | 14 |
| Aon | $4,706,332 | 21 |
| Holmes Murphy | $4,199,989 | 45 |
| USI Insurance Services | $3,933,150 | 43 |
| Mercer | $3,747,978 | 18 |
| Alliant Insurance Services | $2,207,655 | 16 |
| Brown & Brown | $2,147,899 | 21 |
Largest medical carriers
Medical premium written for these employers.
Dallas against Texas 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.
| Dallas | Texas | United States | |
|---|---|---|---|
| Employer plans | 553 | 4,926 | 58,547 |
| Median commission rate | 2.5% (12 plans) | 5.6% | 3.8% |
| Middle half of rates | 0.7% – 5.2% | 2.7% – 6.0% | 2.7% – 5.0% |
| Median broker pay per employer | $90,567 | $86,351 | $72,628 |
| Medical premium per covered person | $7,256 | $6,089 | $7,274 |
| Plans reporting no commission | 1 | 22 | 933 |
Year over year. In plan year 2023, 553 Dallas employers reported $324M in premiums and $83M in broker pay for 1,232,622 participants; in 2024 it was $288M and $84M for 1,215,134 participants (premiums −11.0%, broker pay +0.8%).
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 Dallas employers pay health insurance brokers?
553 Dallas employers reported $83,737,750 in broker commissions and fees on their 2024 Form 5500 filings, 521 of them disclosing at least some compensation. Among 12 commission-paying, fully insured medical plans, the median broker rate was 2.5% of premium, 3.1 points below the Texas median of 5.6% and 1.3 points below the U.S. median of 3.8%. In dollars, the median Dallas employer that disclosed broker pay reported $90,567.
Which Dallas employers have the largest health plans?
By insurance premium reported for 2024, AT&T Inc. ($184M), International Marina Group I, LP ($22M), Jacobs Engineering Group Inc. ($12M) lead. 25 Dallas employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Dallas?
By compensation reported by Dallas employers, the largest brokers are Lockton ($13M, 101 plans), Marsh McLennan Agency ($8.9M, 95 plans), Gallagher ($5.4M, 33 plans). By medical premium, the largest carriers are Blue Cross Blue Sheild of Texas, Cigna Health and Life Insurance Company, Health Advantage.
Are Dallas employer health plans self-funded or fully insured?
Of 553 Dallas employer plans, 141 are fully insured, 207 are self-funded and 205 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 Texas
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