Charlottesville, Virginia employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
38 employers in Charlottesville, Virginia filed health plans with 100 or more participants for plan year 2024, covering 16,576 participants. They reported $3.9M in insurance premiums and $3.1M in broker commissions and fees. Against 2023, premiums were down 18.0% and broker pay rose 10.0%.
Funding: 12 fully insured · 16 self-funded · 10 mixed. 26 of 38 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Charlottesville
Charlottesville employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Accounting Research & Analytics, LLC | $1,878,495 | $103,846 | 132 | Mercer |
| University of Virginia Physicians Group | $1,571,444 | $313,146 | 1,679 | Marsh McLennan Agency |
| University of Virginia Foundation | $388,478 | $66,967 | 566 | OneDigital |
| Thomas Jefferson Foundation, Inc. | $84,961 | $9,792 | 200 | James a Scott & Son Inc |
| Care Hospice, Inc. | $0 | $142,788 | 2,276 | USI Insurance Services |
| Commonwealth Senior Living, LLC | $0 | $39,607 | 1,568 | Totalis Benefits Inc |
| Petersburg Motor Company | $0 | $357,803 | 991 | Hilb Group of Maryland |
| Eagle Corporation | $0 | $24,916 | 957 | James a Scott & Son dba Scott Insur |
| Lakeland Holdings LLC | $0 | $20,997 | 822 | Marsh McLennan Agency |
| Great Eastern Resort Corporation | $0 | $261,068 | 729 | Marsh McLennan Agency |
| Willowtree, Inc. | $0 | $304,429 | 663 | Marsh McLennan Agency |
| Crutchfield Corporation | $0 | $16,059 | 543 | OneDigital |
| Apex Clean Energy, Inc. | $0 | $125,004 | 417 | Gallagher |
| Faulconer Construction Company, Inc. | $0 | $43,739 | 415 | Marsh McLennan Agency |
| The Caton Companies/Management Services Corp | $0 | $96,892 | 402 | James a Scott & Son Inc |
| Cfa Institute | $0 | $17,198 | 389 | Mercer |
| Natural Retreats US, LLC | $0 | $51,059 | 380 | Marsh McLennan Agency |
| Virginia Institute of Autism | $0 | $56,769 | 278 | OneDigital |
| Pepsi-Cola Bottling Company of Central Virginia | $0 | $42,939 | 270 | OneDigital |
| Greenbrier, Inc. | $0 | $54,619 | 262 | Marsh McLennan Agency |
| University of Virginia Community Credit Union, Inc. | $0 | $122,068 | 253 | Lockton |
| Westminster Canterbury of the Blue Ridge | $0 | $33,422 | 224 | James a Scott & Son Inc |
| Teachstone, Inc. | $0 | $101,643 | 207 | Digital Benefit Advisors |
| Southern Environmental Law Center | $0 | $111,694 | 203 | OneDigital |
| Lee Construction Group, Inc. | $0 | $57,157 | 190 | James a Scott & Son 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 Charlottesville employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Marsh McLennan Agency | $1,064,101 | 10 |
| OneDigital | $519,907 | 11 |
| The Hilb Group of Maryland LLC | $357,803 | 1 |
| James a Scott & Son Inc | $186,599 | 4 |
| USI Insurance Services | $151,432 | 2 |
| Digital Benefit Advisors | $125,701 | 2 |
| Gallagher | $125,004 | 1 |
| Lockton | $122,068 | 1 |
| Mercer | $115,161 | 2 |
| Centro Benefits Research LLC | $84,797 | 8 |
Largest medical carriers
Medical premium written for these employers.
Charlottesville against Virginia 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.
| Charlottesville | Virginia | United States | |
|---|---|---|---|
| Employer plans | 38 | 1,613 | 58,547 |
| Median commission rate | n/a | 4.6% | 3.8% |
| Middle half of rates | n/a | 3.2% – 6.4% | 2.7% – 5.0% |
| Median broker pay per employer | $56,046 | $71,889 | $72,628 |
| Medical premium per covered person | n/a | $6,864 | $7,274 |
| Plans reporting no commission | 0 | 5 | 933 |
Year over year. In plan year 2023, 39 Charlottesville employers reported $4.8M in premiums and $2.9M in broker pay for 16,903 participants; in 2024 it was $3.9M and $3.1M for 16,576 participants (premiums −18.0%, broker pay +10.0%).
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 Charlottesville employers pay health insurance brokers?
38 Charlottesville employers reported $3,137,765 in broker commissions and fees on their 2024 Form 5500 filings, 37 of them disclosing at least some compensation. Too few fully insured medical plans in Charlottesville reported premium to compute a stable commission rate; the Virginia median is 4.6% and the U.S. median is 3.8%. In dollars, the median Charlottesville employer that disclosed broker pay reported $56,046.
Which Charlottesville employers have the largest health plans?
By insurance premium reported for 2024, Accounting Research & Analytics, LLC ($1.9M), University of Virginia Physicians Group ($1.6M), University of Virginia Foundation ($388,478) lead. 25 Charlottesville employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Charlottesville?
By compensation reported by Charlottesville employers, the largest brokers are Marsh McLennan Agency ($1.1M, 10 plans), OneDigital ($519,907, 11 plans), The Hilb Group of Maryland LLC ($357,803, 1 plans). By medical premium, the largest carriers are Cigna Health and Life Insurance Company, Unitedhealthcare Insurance Company, Anthem Health Plan of Virginia.
Are Charlottesville employer health plans self-funded or fully insured?
Of 38 Charlottesville employer plans, 12 are fully insured, 16 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 Virginia
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