McAllen, Texas employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
15 employers in McAllen, Texas filed health plans with 100 or more participants for plan year 2024, covering 5,185 participants. They reported $0 in insurance premiums and $1.2M in broker commissions and fees. Against 2023, premiums were unchanged and broker pay rose 20.6%.
Funding: 6 fully insured · 7 self-funded · 2 mixed. 9 of 15 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in McAllen
McAllen employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| L & F Distributors, LLC | $0 | — | 1,021 | — |
| Golden Aces GP, Inc. | $0 | — | 843 | — |
| C2 Global Professional Services, LLC | $0 | $491,255 | 611 | Gallagher |
| Lone Star National Bank | $0 | $383,342 | 524 | Lone Star Insurance Services Inc |
| Bert Ogden McAllen Motors, Inc. | $0 | — | 350 | — |
| Kenneth Fox Supply Company | $0 | $77,066 | 331 | Higginbotham |
| Kaizen Clinical Partners, Inc | $0 | $1,910 | 327 | Lone Star Insurance SVC Inc |
| Rio Bank | $0 | $18,147 | 225 | Relation Insurance |
| Rhodes Management Services, LLC | $0 | $86,268 | 157 | Marsh McLennan Agency |
| Metro Electric, Inc. | $0 | $27,883 | 154 | Shepard & Walton Life Insurance |
| Klement Healthcare, Inc. | $0 | — | 140 | — |
| McAllen Community Healthcare, Inc. | $0 | — | 132 | — |
| Rio Grande Valley Phc/Cba | $0 | $6,603 | 126 | Shepard & Walton Life Agency Inc |
| Aim Media Texas, L.L.C. | $0 | $28,688 | 124 | Cobbs Allen |
| Palmer Steel Supplies Inc. | $0 | $44,839 | 120 | Shepard & Walton Life Insurance Age |
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 McAllen employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Gallagher | $491,255 | 1 |
| Lone Star Benefits Inc | $297,081 | 1 |
| Marsh McLennan Agency | $78,764 | 1 |
| Lone Star Insurance SVCS Inc | $62,832 | 1 |
| Shepard & Walton Life Insurance Age | $62,805 | 3 |
| Higginbotham | $57,848 | 2 |
| Cobbs Allen | $28,688 | 1 |
| Timothy Cobb | $15,331 | 2 |
| Relation Insurance | $10,212 | 1 |
| AssuredPartners | $6,831 | 1 |
Largest medical carriers
Medical premium written for these employers.
McAllen 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.
| McAllen | 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 | $36,764 | $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, 17 McAllen employers reported $0 in premiums and $966,709 in broker pay for 5,395 participants; in 2024 it was $0 and $1.2M for 5,185 participants (broker pay +20.6%).
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 McAllen employers pay health insurance brokers?
15 McAllen employers reported $1,166,001 in broker commissions and fees on their 2024 Form 5500 filings, 10 of them disclosing at least some compensation. Too few fully insured medical plans in McAllen 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 McAllen employer that disclosed broker pay reported $36,764.
Which McAllen employers have the largest health plans?
By insurance premium reported for 2024, L & F Distributors, LLC ($0), Golden Aces GP, Inc. ($0), C2 Global Professional Services, LLC ($0) lead. 15 McAllen employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in McAllen?
By compensation reported by McAllen employers, the largest brokers are Gallagher ($491,255, 1 plans), Lone Star Benefits Inc ($297,081, 1 plans), Marsh McLennan Agency ($78,764, 1 plans). By medical premium, the largest carriers are Bluecross Blueshield of Texas, Unitedhealthcare Insurance Company, Humana Health Plan of Texas, Inc..
Are McAllen employer health plans self-funded or fully insured?
Of 15 McAllen employer plans, 6 are fully insured, 7 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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