Spring, Texas employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
38 employers in Spring, Texas filed health plans with 100 or more participants for plan year 2024, covering 126,891 participants. They reported $6.2M in insurance premiums and $4.3M in broker commissions and fees. Against 2023, premiums were down 41.3% and broker pay rose 12.3%.
Funding: 9 fully insured · 19 self-funded · 10 mixed. 29 of 38 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Spring
Spring employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| HP Inc. | $2,933,020 | — | 13,640 | — |
| Hewlett Packard Enterprise | $1,815,711 | $206,309 | 59,396 | Aon |
| Southwestern Energy Company | $1,108,018 | $143,111 | 1,096 | Gallagher |
| Enercorp Engineered Solutions, LLC | $373,249 | $37,430 | 251 | USI Insurance Services |
| TRC Services, Inc. | $9,804 | $103,011 | 204 | Marsh McLennan Agency |
| Exxon Mobil Corporation | $0 | — | 38,081 | — |
| Elevate PFS Holdings, Inc. | $0 | $137,698 | 2,219 | USI Insurance Services |
| Premium Velocity Auto LLC | $0 | $294,563 | 2,034 | Fisher, Brown Bottrell Insurance |
| American Bureau of Shipping | $0 | $807,215 | 1,422 | Lockton |
| FCC Environmental Services, LLC | $0 | $595,923 | 1,170 | Aon |
| Cse Americas, Inc. | $0 | $201,063 | 852 | AssuredPartners |
| Fred Haas Toyota | $0 | $44,516 | 676 | Gallagher |
| TF Warren Group Corporation | $0 | $256,163 | 568 | Gallagher |
| Step Energy Services (USA) LTD. | $0 | $252,888 | 518 | Gallagher |
| Monterey Coal Company, a Division of Exxonmobil Coal USA, Inc. | $0 | — | 491 | — |
| Arrow Child & Family Ministries | $0 | $100,788 | 458 | Marsh McLennan Agency |
| Orion Engineered Carbons, LLC | $0 | $51,939 | 356 | Gallagher |
| Refined Technologies, Inc | $0 | $41,256 | 264 | USI Insurance Services |
| Electra Link, Inc. | $0 | $23,780 | 251 | EPIC Insurance Brokers |
| RJ Meridian Care of San Antonio LTD | $0 | $78,373 | 227 | HUB International |
| Fairwind, Inc. | $0 | $172,787 | 209 | McCarty Insurance, Inc. |
| Rafiq Enterprises, Inc. | $0 | — | 205 | — |
| Marek Sawing & Drilling | $0 | $34,781 | 199 | Lockton |
| Ag&P Americas Inc. | $0 | $29,069 | 177 | Acrisure |
| Momentum Exterior Systems, LLC | $0 | $42,405 | 167 | USI Insurance Services |
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 Spring employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Lockton | $797,842 | 3 |
| Gallagher | $755,969 | 8 |
| Aon | $693,394 | 2 |
| Marsh McLennan Agency | $315,232 | 5 |
| Higginbotham | $257,375 | 4 |
| Fisher Brown Bottrell Insurance Inc | $213,348 | 1 |
| USI Insurance Services | $187,707 | 6 |
| AssuredPartners | $129,508 | 1 |
| Gis Benefits Inc | $92,382 | 3 |
| The Cason Group Inc | $81,214 | 1 |
Largest medical carriers
Medical premium written for these employers.
Spring 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.
| Spring | Texas | United States | |
|---|---|---|---|
| Employer plans | 38 | 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 | $77,957 | $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 Spring employers reported $11M in premiums and $3.8M in broker pay for 131,197 participants; in 2024 it was $6.2M and $4.3M for 126,891 participants (premiums −41.3%, broker pay +12.3%).
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 Spring employers pay health insurance brokers?
38 Spring employers reported $4,256,630 in broker commissions and fees on their 2024 Form 5500 filings, 30 of them disclosing at least some compensation. Too few fully insured medical plans in Spring 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 Spring employer that disclosed broker pay reported $77,957.
Which Spring employers have the largest health plans?
By insurance premium reported for 2024, HP Inc. ($2.9M), Hewlett Packard Enterprise ($1.8M), Southwestern Energy Company ($1.1M) lead. 25 Spring employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Spring?
By compensation reported by Spring employers, the largest brokers are Lockton ($797,842, 3 plans), Gallagher ($755,969, 8 plans), Aon ($693,394, 2 plans). By medical premium, the largest carriers are Bluecross Blueshield of Texas, Unitedhealthcare Insurance Company, Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc..
Are Spring employer health plans self-funded or fully insured?
Of 38 Spring employer plans, 9 are fully insured, 19 are self-funded and 10 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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