Garland, Texas employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
18 employers in Garland, Texas filed health plans with 100 or more participants for plan year 2024, covering 10,583 participants. They reported $0 in insurance premiums and $1.1M in broker commissions and fees. Against 2023, premiums were unchanged and broker pay rose 7.4%.
Funding: 8 fully insured · 8 self-funded · 2 mixed. 10 of 18 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Garland
Garland employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Mexico Foods, LLC | $0 | $34,724 | 4,617 | Willis Towers Watson |
| Epiroc North America Corp. | $0 | $19,483 | 1,265 | Mercer |
| Epiroc Industrial Tools and Attachments LLC | $0 | $7,262 | 967 | Mercer |
| Prism Electric, Inc. | $0 | $135,361 | 791 | USI Insurance Services |
| Bearcom Operating LLC | $0 | $216,783 | 777 | Lockton |
| Rhe Hatco, Inc. | $0 | — | 384 | — |
| Quest USA, Inc. | $0 | $125,081 | 274 | Brinson Benefits, Inc. |
| Garrett Electronics, Inc. | $0 | $50,497 | 193 | Frost Insurance Agency, Inc. |
| Arrow Fabricated Tubing | $0 | $71,591 | 174 | Higginbotham |
| Service Lighting and Electrical Supplies, Inc. dba 1000 Bulbs.Com | $0 | $11,825 | 165 | Higginbotham |
| CBG Surveying Texas, LLC | $0 | $46,172 | 160 | Higginbotham |
| Mechanical Partners, Inc. | $0 | $29,918 | 147 | USI Insurance Services |
| Micropac Industries | $0 | $79,280 | 135 | Roach Howard Smith & Barton Inc |
| Rock Strategic LLC | $0 | $86,221 | 121 | Advocate, Inc. |
| America's Credit Union | $0 | $58,529 | 108 | Holmes Murphy |
| Duck Creek Healthcare, Inc. | $0 | — | 104 | — |
| Sunrise Home Health Services of America Inc. | $0 | $54,418 | 101 | Big Benefit Corp |
| Telsco Industries, Inc. | $0 | $44,219 | 100 | Roach Howard Smith & Barton 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 Garland employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Lockton | $216,783 | 1 |
| USI Insurance Services | $143,519 | 2 |
| Higginbotham | $129,588 | 3 |
| Brinson Benefits, Inc. | $125,081 | 1 |
| Roach Howard Smith & Barton Inc | $123,499 | 2 |
| Holmes Murphy | $58,529 | 1 |
| Frost Insurance Agency, Inc. | $48,964 | 1 |
| Advocate, Inc. | $46,017 | 1 |
| Big Benefits | $43,194 | 1 |
| Willis Towers Watson | $34,724 | 1 |
Largest medical carriers
Medical premium written for these employers.
Garland 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.
| Garland | Texas | United States | |
|---|---|---|---|
| Employer plans | 18 | 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 | $52,458 | $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, 16 Garland employers reported $0 in premiums and $997,508 in broker pay for 6,910 participants; in 2024 it was $0 and $1.1M for 10,583 participants (broker pay +7.4%).
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 Garland employers pay health insurance brokers?
18 Garland employers reported $1,071,364 in broker commissions and fees on their 2024 Form 5500 filings, 16 of them disclosing at least some compensation. Too few fully insured medical plans in Garland 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 Garland employer that disclosed broker pay reported $52,458.
Which Garland employers have the largest health plans?
By insurance premium reported for 2024, Mexico Foods, LLC ($0), Epiroc North America Corp. ($0), Epiroc Industrial Tools and Attachments LLC ($0) lead. 18 Garland employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Garland?
By compensation reported by Garland employers, the largest brokers are Lockton ($216,783, 1 plans), USI Insurance Services ($143,519, 2 plans), Higginbotham ($129,588, 3 plans). By medical premium, the largest carriers are Bluecross Blueshield of Texas, Unitedhealthcare Insurance Company, Health Care Service Corporation.
Are Garland employer health plans self-funded or fully insured?
Of 18 Garland employer plans, 8 are fully insured, 8 are self-funded and 2 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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