San Antonio, Texas employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
297 employers in San Antonio, Texas filed health plans with 100 or more participants for plan year 2024, covering 432,892 participants. They reported $60M in insurance premiums and $39M in broker commissions and fees. The median broker rate on commission-paying, fully insured medical plans was 5.5% of premium, against 5.6% across Texas and 3.8% nationally. Against 2023, premiums were up 20.0% and broker pay rose 8.5%.
Funding: 113 fully insured · 114 self-funded · 70 mixed. 184 of 297 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in San Antonio
San Antonio employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Kahlig Auto Group Health Benefit Trust | $10,987,951 | $167,997 | 1,123 | Gallagher |
| Goodwill Industries of San Antonio Contract Services | $10,250,673 | $63,712 | 603 | Spire Risk Management, LLC |
| Zachry Holdings, Inc. | $6,702,890 | $1,601,383 | 22,234 | Lockton |
| United Services Automobile Association | $6,435,114 | — | 38,087 | — |
| Valero Energy Corporation | $3,704,082 | $3,412,089 | 7,789 | Marsh McLennan Agency |
| Cullen/Frost Bankers, Inc. | $3,278,657 | $367,946 | 5,713 | Stealth Partners Group,llc |
| San Antonio Wings, Inc. | $2,160,573 | $169,585 | 805 | Higginbotham |
| The LYND Management Group | $2,146,132 | $87,555 | 230 | Marsh McLennan Agency |
| Southwest Research Institute | $1,839,482 | $57,290 | 3,899 | Oldham C. Weeks |
| Southwest Texas Equipment Distributors, Inc. | $1,653,201 | $200,506 | 161 | 19 21 Consultants Co., LLC |
| Urology San Antonio PA | $1,647,561 | $64,510 | 405 | Frost Insurance Agency Inc |
| Archpoint Group Inc. | $1,489,911 | $136,242 | 196 | Catto & Catto Benefits Group LLP |
| Ace Mart Restaurant Supply | $1,338,748 | $23,425 | 253 | Gallagher |
| Parent Child,inc Health & Welfare Plan | $1,180,779 | $121,710 | 250 | OneDigital |
| Hasslocher Enterprises, Inc. | $927,572 | $105,157 | 358 | Lockton |
| Oci Enterprises Inc. | $718,613 | $19,407 | 146 | Tracy L Mangold |
| FBD Partnership LP | $640,567 | $60,205 | 174 | Frost Ins Agy Inc San Antonio |
| Scaleworks, Inc. | $602,527 | $31,550 | 174 | Catto & Catto Benefits Group LLP |
| Chaney Adventures LLC | $571,815 | $51,448 | 109 | 1921 Consultants Co LLC |
| Trinity University | $565,351 | $114,405 | 852 | Lockton |
| Hope Leasing Inc | $490,175 | $46,198 | 192 | Decisely Insurance Services Inc |
| El Centro del Barrio | $426,776 | $297,778 | 714 | Spire Risk Management, LLC |
| Southwestern Motor Transport, Inc. | $129,607 | $35,786 | 352 | HUB International |
| San Antonio Lighthouse for the Blind | $124,204 | $15,619 | 430 | SWBC Life Insurance Agency Inc. |
| Clearwell Dynamics LLC | $75,344 | $492,642 | 550 | McAnally Wilkins 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 San Antonio employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Gallagher | $4,256,223 | 40 |
| HUB International | $4,124,556 | 52 |
| Lockton | $4,097,707 | 20 |
| Marsh McLennan Agency | $3,358,854 | 18 |
| SWBC Life Insurance Agency, Inc. | $2,800,589 | 15 |
| Spire Risk Management, LLC | $2,375,209 | 14 |
| USI Insurance Services | $2,363,995 | 27 |
| Higginbotham | $1,213,203 | 17 |
| Mercer | $1,088,776 | 3 |
| Catto & Catto Benefits Group LLP | $948,056 | 42 |
Largest medical carriers
Medical premium written for these employers.
San Antonio 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.
| San Antonio | Texas | United States | |
|---|---|---|---|
| Employer plans | 297 | 4,926 | 58,547 |
| Median commission rate | 5.5% (10 plans) | 5.6% | 3.8% |
| Middle half of rates | 3.4% – 6.0% | 2.7% – 6.0% | 2.7% – 5.0% |
| Median broker pay per employer | $79,662 | $86,351 | $72,628 |
| Medical premium per covered person | $7,049 | $6,089 | $7,274 |
| Plans reporting no commission | 1 | 22 | 933 |
Year over year. In plan year 2023, 296 San Antonio employers reported $50M in premiums and $36M in broker pay for 472,018 participants; in 2024 it was $60M and $39M for 432,892 participants (premiums +20.0%, broker pay +8.5%).
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 San Antonio employers pay health insurance brokers?
297 San Antonio employers reported $39,365,983 in broker commissions and fees on their 2024 Form 5500 filings, 255 of them disclosing at least some compensation. Among 10 commission-paying, fully insured medical plans, the median broker rate was 5.5% of premium, 0.1 points below the Texas median of 5.6% and 1.7 points above the U.S. median of 3.8%. In dollars, the median San Antonio employer that disclosed broker pay reported $79,662.
Which San Antonio employers have the largest health plans?
By insurance premium reported for 2024, Kahlig Auto Group Health Benefit Trust ($11M), Goodwill Industries of San Antonio Contract Services ($10M), Zachry Holdings, Inc. ($6.7M) lead. 25 San Antonio employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in San Antonio?
By compensation reported by San Antonio employers, the largest brokers are Gallagher ($4.3M, 40 plans), HUB International ($4.1M, 52 plans), Lockton ($4.1M, 20 plans). By medical premium, the largest carriers are Bluecross Blueshield of Texas, Curative Insurance Company, Bluecross Blueshield of Tennessee, Inc..
Are San Antonio employer health plans self-funded or fully insured?
Of 297 San Antonio employer plans, 113 are fully insured, 114 are self-funded and 70 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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