Denton, Texas employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
15 employers in Denton, Texas filed health plans with 100 or more participants for plan year 2024, covering 15,616 participants. They reported $2.8M in insurance premiums and $1.7M in broker commissions and fees. Against 2023, premiums were up 430.9% and broker pay rose 4.4%.
Funding: 6 fully insured · 5 self-funded · 4 mixed. 9 of 15 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Denton
Denton employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Strategic Dental Executives, LLC | $2,242,081 | $318,932 | 999 | USI Insurance Services |
| Sally Beauty de Puerto Rico, Inc. | $553,772 | $27,669 | 115 | Willis Towers Watson |
| Sally Beauty Holdings, Inc | $0 | $467,178 | 11,280 | Willis Towers Watson |
| Titus Transport Holdings LLC | $0 | $138,374 | 735 | Truenorth Companies, L.C. |
| Veracity Research Co. | $0 | $133,788 | 410 | Lockton |
| Healthtrackrx, Inc. | $0 | $76,160 | 394 | Marsh McLennan Agency |
| Fisher59 | $0 | — | 251 | — |
| Hulcher Services Inc. | $0 | $274 | 220 | Lockton |
| Datcu | $0 | $56,056 | 208 | — |
| Prodigy HVAC, LLC | $0 | $118,687 | 206 | Clarkadamson, LLC |
| Emls, Inc. | $0 | $41,301 | 181 | HUB International |
| US Aviation Group LLC | $0 | $78,470 | 168 | Higginbotham |
| Numed, Inc. | $0 | $132,003 | 152 | Higginbotham |
| Flowers Baking Company of Denton LLC | $0 | — | 149 | — |
| Bill Utter Ford, Inc. | $0 | $143,756 | 148 | SGL Partners, LLC |
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 Denton employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Willis Towers Watson | $493,847 | 2 |
| USI Insurance Services | $310,895 | 2 |
| Higginbotham | $210,773 | 2 |
| Truenorth Companies, L.C. | $138,374 | 1 |
| Lockton | $106,783 | 2 |
| Clarkadamson, LLC | $103,360 | 1 |
| Marsh McLennan Agency | $76,160 | 1 |
| SGL Partners, LLC | $62,137 | 1 |
| Amanda E Walker | $53,447 | 1 |
| HUB International | $41,301 | 1 |
Largest medical carriers
Medical premium written for these employers.
Denton 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.
| Denton | Texas | United States | |
|---|---|---|---|
| Employer plans | 15 | 4,926 | 58,547 |
| Median commission rate | n/a | 5.6% | 3.8% |
| Middle half of rates | n/a | 2.7% – 6.0% | 2.7% – 5.0% |
| Median broker pay per employer | $118,687 | $86,351 | $72,628 |
| Medical premium per covered person | n/a | $6,089 | $7,274 |
| Plans reporting no commission | 0 | 22 | 933 |
Year over year. In plan year 2023, 15 Denton employers reported $526,655 in premiums and $1.7M in broker pay for 14,958 participants; in 2024 it was $2.8M and $1.7M for 15,616 participants (premiums +430.9%, broker pay +4.4%).
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 Denton employers pay health insurance brokers?
15 Denton employers reported $1,732,648 in broker commissions and fees on their 2024 Form 5500 filings, 13 of them disclosing at least some compensation. Too few fully insured medical plans in Denton reported premium to compute a stable commission rate; the Texas median is 5.6% and the U.S. median is 3.8%. In dollars, the median Denton employer that disclosed broker pay reported $118,687.
Which Denton employers have the largest health plans?
By insurance premium reported for 2024, Strategic Dental Executives, LLC ($2.2M), Sally Beauty de Puerto Rico, Inc. ($553,772), Sally Beauty Holdings, Inc ($0) lead. 15 Denton employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Denton?
By compensation reported by Denton employers, the largest brokers are Willis Towers Watson ($493,847, 2 plans), USI Insurance Services ($310,895, 2 plans), Higginbotham ($210,773, 2 plans). By medical premium, the largest carriers are Cigna Health and Life Insurance Company, Triple S Salud, Inc., Unitedhealthcare Insurance Company.
Are Denton employer health plans self-funded or fully insured?
Of 15 Denton employer plans, 6 are fully insured, 5 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 Texas
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