Fort Worth, Texas employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
212 employers in Fort Worth, Texas filed health plans with 100 or more participants for plan year 2024, covering 270,245 participants. They reported $111M in insurance premiums and $24M in broker commissions and fees. The median broker rate on commission-paying, fully insured medical plans was 6.0% of premium, against 5.6% across Texas and 3.8% nationally. Against 2023, premiums were up 20.5% and broker pay rose 7.6%.
Funding: 74 fully insured · 66 self-funded · 72 mixed. 138 of 212 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Fort Worth
Fort Worth employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| American Airlines, Inc. -Benefits | $60,391,794 | $708,083 | 113,782 | Strategic Non Medical Solutions LLC |
| Bepco, L.P. | $12,949,781 | $234,811 | 939 | Hays Companies |
| Acme Building Brands, Inc. | $11,314,621 | $113,745 | 1,407 | The Plexus Groupe LLC |
| First Command Financial Planning | $6,147,033 | $252,559 | 490 | Higginbotham |
| Ben E. Keith Company | $4,447,426 | $472,210 | 5,947 | Lockton |
| Higginbotham Insurance Agency | $2,429,442 | $36,389 | 2,340 | Higginbotham |
| Focused Post Acute Care Partners, LLC | $2,233,655 | $273,441 | 1,404 | Marsh McLennan Agency |
| Black Mountain Management LLC | $1,959,417 | $189,678 | 390 | Marsh McLennan Agency |
| Murphy Wall Products International, Inc. | $1,565,170 | $110,706 | 227 | Frost Insurance Agency, Inc. |
| Landpoint Holdings, LLC | $1,353,964 | $91,481 | 180 | USI Insurance Services |
| Rio Grande Pacific Corporation, Inc. | $1,156,449 | $222,629 | 495 | USI Insurance Services |
| Botanical Research Institute of Texas | $1,139,101 | $87,113 | 110 | Frost Insurance Agency, Inc. |
| Erw Site Solutions | $1,070,656 | $120,629 | 372 | USI Insurance Services |
| Lunch Mony | $1,010,761 | $75,485 | 166 | Higginbotham |
| River Crest Country Club | $975,168 | $87,220 | 129 | Marsh McLennan Agency |
| Schumacher Electric Corporation | $578,953 | $75,159 | 114 | Lockton |
| Total Sand Services, LLC | $350,759 | $97,631 | 640 | Lockton |
| Eecu | $217,180 | $20,378 | 394 | Gallagher |
| CR Operating LLC | $72,790 | $83,943 | 902 | Gallagher |
| Whitley Penn LLP | $65,121 | $59,692 | 769 | HUB International |
| Burlington Northern Santa Fe, LLC | $43,889 | $7,223 | 357 | Aon |
| Alcon Vision, LLC | $0 | $5,393 | 10,128 | Aon |
| Creative Solutions in Healthcare | $0 | $1,316,504 | 9,463 | Marsh McLennan Agency |
| Burlington Northern Santa Fe, LLC | $0 | $315,670 | 9,009 | Hewitt Ins Brokerage LLC |
| Cook Childrens Health Care System | $0 | $592,194 | 8,248 | Child Health Corporation of America |
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 Fort Worth employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Marsh McLennan Agency | $4,268,303 | 33 |
| Lockton | $3,144,290 | 23 |
| Higginbotham | $3,058,813 | 48 |
| USI Insurance Services | $2,072,764 | 22 |
| HUB International | $1,118,669 | 15 |
| Gallagher | $977,467 | 10 |
| Frost Insurance Agency, Inc. | $578,927 | 11 |
| Strategic Non-Medical Solution | $513,037 | 2 |
| Aon | $500,434 | 6 |
| Holmes Murphy | $428,553 | 5 |
Largest medical carriers
Medical premium written for these employers.
Fort Worth 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.
| Fort Worth | Texas | United States | |
|---|---|---|---|
| Employer plans | 212 | 4,926 | 58,547 |
| Median commission rate | 6.0% (13 plans) | 5.6% | 3.8% |
| Middle half of rates | 5.9% – 6.8% | 2.7% – 6.0% | 2.7% – 5.0% |
| Median broker pay per employer | $83,295 | $86,351 | $72,628 |
| Medical premium per covered person | $6,754 | $6,089 | $7,274 |
| Plans reporting no commission | 1 | 22 | 933 |
Year over year. In plan year 2023, 210 Fort Worth employers reported $92M in premiums and $23M in broker pay for 259,136 participants; in 2024 it was $111M and $24M for 270,245 participants (premiums +20.5%, broker pay +7.6%).
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 Fort Worth employers pay health insurance brokers?
212 Fort Worth employers reported $24,232,021 in broker commissions and fees on their 2024 Form 5500 filings, 205 of them disclosing at least some compensation. Among 13 commission-paying, fully insured medical plans, the median broker rate was 6.0% of premium, 0.4 points above the Texas median of 5.6% and 2.2 points above the U.S. median of 3.8%. In dollars, the median Fort Worth employer that disclosed broker pay reported $83,295.
Which Fort Worth employers have the largest health plans?
By insurance premium reported for 2024, American Airlines, Inc. -Benefits ($60M), Bepco, L.P. ($13M), Acme Building Brands, Inc. ($11M) lead. 25 Fort Worth employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Fort Worth?
By compensation reported by Fort Worth employers, the largest brokers are Marsh McLennan Agency ($4.3M, 33 plans), Lockton ($3.1M, 23 plans), Higginbotham ($3.1M, 48 plans). By medical premium, the largest carriers are Bluecross Blueshield of Texas, Cigna Health and Life Insurance Company, Curative Insurance Company.
Are Fort Worth employer health plans self-funded or fully insured?
Of 212 Fort Worth employer plans, 74 are fully insured, 66 are self-funded and 72 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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