El Paso, Texas employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
40 employers in El Paso, Texas filed health plans with 100 or more participants for plan year 2024, covering 16,412 participants. They reported $7.8M in insurance premiums and $2.6M in broker commissions and fees. Against 2023, premiums were up 166.1% and broker pay rose 12.1%.
Funding: 20 fully insured · 13 self-funded · 7 mixed. 20 of 40 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in El Paso
El Paso employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Bienvivir Senior Health Services | $4,306,936 | $308,223 | 456 | HUB International |
| Jobe Materials, L.P. | $3,346,269 | $262,835 | 669 | USI Insurance Services |
| December Nine Company LTD | $159,668 | $13,095 | 112 | USI Insurance Services |
| Helen of Troy Nevada Corporation | $0 | $130,090 | 1,916 | Lockton |
| Hunt Companies, LLC | $0 | $249,646 | 1,701 | HUB International |
| El Paso Electric Company | $0 | $127,800 | 1,117 | Gallagher |
| Castro Enterprises, Inc. | $0 | — | 863 | — |
| Lucchese, Inc. | $0 | $34,978 | 832 | Holmes Murphy |
| Five Points Benefit Plans, LLC | $0 | — | 778 | — |
| Gecu | $0 | $106,038 | 733 | OneDigital |
| Mount Franklin Foods, LLC | $0 | $165,708 | 650 | Alliant Insurance Services |
| Arena Brands, Inc. | $0 | — | 572 | — |
| Pizza Properties, Inc | $0 | $31,837 | 495 | Fairway Partners, LLC |
| Jordan Foster Construction, LLC | $0 | $22,474 | 465 | Gallagher |
| Ztex Construction, Inc. | $0 | $101,882 | 445 | Upshaw Insurance Agency Inc. |
| Vinton Steel | $0 | $65,001 | 412 | USI Insurance Services |
| Firstlight Federal Credit Union | $0 | $69,564 | 347 | OneDigital |
| Franklin Mountain Management LLC | $0 | $26,746 | 347 | HUB International |
| Weststar Bank | $0 | $9,563 | 316 | HUB International |
| Raiz Federal Credit Union | $0 | $138,842 | 240 | Gallagher |
| YDSP Entertainment | $0 | $9,803 | 233 | USI Insurance Services |
| Centro de Salud Familiar la Fe, Inc. | $0 | $31,132 | 231 | SWBC Life Insurance Agency, Inc. |
| Project Vida | $0 | $55,561 | 201 | USI Insurance Services |
| El Paso Trade School, Inc. | $0 | $99,083 | 187 | Marsh McLennan Agency |
| Handgards, Inc. | $0 | $28,999 | 184 | AssuredPartners |
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 El Paso employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| HUB International | $638,246 | 6 |
| USI Insurance Services | $614,231 | 13 |
| Gallagher | $295,761 | 4 |
| Marsh McLennan Agency | $187,767 | 2 |
| Alliant Insurance Services | $165,708 | 1 |
| Lockton | $138,635 | 2 |
| Upshaw Insurance Agency Inc | $98,723 | 1 |
| OneDigital | $96,176 | 2 |
| Mercer | $50,542 | 1 |
| Insurica Insurance Services, LLC | $47,956 | 1 |
Largest medical carriers
Medical premium written for these employers.
El Paso 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.
| El Paso | Texas | United States | |
|---|---|---|---|
| Employer plans | 40 | 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 | $55,989 | $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, 39 El Paso employers reported $2.9M in premiums and $2.4M in broker pay for 14,681 participants; in 2024 it was $7.8M and $2.6M for 16,412 participants (premiums +166.1%, 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 El Paso employers pay health insurance brokers?
40 El Paso employers reported $2,649,886 in broker commissions and fees on their 2024 Form 5500 filings, 33 of them disclosing at least some compensation. Too few fully insured medical plans in El Paso 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 El Paso employer that disclosed broker pay reported $55,989.
Which El Paso employers have the largest health plans?
By insurance premium reported for 2024, Bienvivir Senior Health Services ($4.3M), Jobe Materials, L.P. ($3.3M), December Nine Company LTD ($159,668) lead. 25 El Paso employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in El Paso?
By compensation reported by El Paso employers, the largest brokers are HUB International ($638,246, 6 plans), USI Insurance Services ($614,231, 13 plans), Gallagher ($295,761, 4 plans). By medical premium, the largest carriers are Curative Insurance Company, Bluecross Blueshield of Texas, Aetna Life Insurance Company.
Are El Paso employer health plans self-funded or fully insured?
Of 40 El Paso employer plans, 20 are fully insured, 13 are self-funded and 7 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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