Fairfax, Virginia employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
63 employers in Fairfax, Virginia filed health plans with 100 or more participants for plan year 2024, covering 74,295 participants. They reported $14M in insurance premiums and $9.5M in broker commissions and fees. Against 2023, premiums were down 8.7% and broker pay rose 8.0%.
Funding: 12 fully insured · 20 self-funded · 31 mixed. 51 of 63 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Fairfax
Fairfax employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Zeta Associates Incorporated | $2,463,483 | $275,417 | 266 | Marsh McLennan Agency |
| Ecs Federal, LLC | $2,273,534 | $461,671 | 3,742 | Willis Towers Watson |
| Pediatric Specialists of Virginia | $2,132,183 | $150,445 | 245 | The Meltzer Group Inc |
| Zimmerman Associates, Inc. | $2,100,523 | $185,446 | 354 | USI Insurance Services |
| Crescent Hotels & Resorts, LLC | $1,839,510 | $460,682 | 5,130 | The HDH Group Inc |
| Cgi Technologies and Solutions, Inc. | $791,311 | $59,512 | 11,027 | Mercer |
| Mag DS Corp. | $453,317 | $177,666 | 913 | The Baldwin Group |
| Gates, Hudson & Associates, Inc. | $435,281 | $198,699 | 572 | Lockton |
| Itc Federal LLC | $359,691 | $177,589 | 1,002 | Meltzer Group Benefits |
| P E Systems, Inc. | $292,031 | $183,555 | 337 | The Baldwin Group |
| Edelman Financial Engines, LLC | $262,574 | $417,430 | 1,570 | HUB International |
| First Heritage Mortgage, LLC | $124,999 | $165,251 | 145 | Meltzer Group Inc |
| Mandex, Inc. | $120,626 | $85,801 | 127 | The Baldwin Group |
| Fairfax Radiology Centers LLC | $57,569 | $373,391 | 610 | The Meltzer Group Inc |
| Inova Health System Foundation | $0 | $2,020,860 | 24,191 | Mercer |
| Crestline Hotels & Resorts, LLC | $0 | $129,911 | 4,179 | Gallagher |
| Govcio | $0 | $322,090 | 2,868 | Lockton |
| Dewberry Engineers Inc. | $0 | $278,177 | 2,595 | Gallagher |
| Asm Research, LLC | $0 | $301,084 | 1,398 | Riggs Counselman Michaels & Downes |
| Guest Services, Inc. | $0 | $13,056 | 1,375 | Marsh McLennan Agency |
| Sheehy Auto Stores, Inc. | $0 | $173,429 | 1,288 | Strongside Solutions |
| Riverside Research Institute | $0 | $12,319 | 859 | Lockton |
| Trusted Doctors, LLC | $0 | $128,092 | 566 | Patriot Growth |
| Apple Federal Credit Union | $0 | $135,349 | 546 | Ap Benefit Adviosrs LLC |
| A G Van Metre Services, Inc. | $0 | $33,432 | 541 | OneDigital |
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 Fairfax employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Mercer | $2,058,444 | 5 |
| USI Insurance Services | $785,629 | 9 |
| Lockton | $784,229 | 5 |
| The Meltzer Group Inc | $718,344 | 11 |
| The Baldwin Group | $648,215 | 9 |
| The HDH Group Inc | $460,682 | 1 |
| Marsh McLennan Agency | $431,961 | 5 |
| Gallagher | $408,088 | 2 |
| Willis Towers Watson | $405,923 | 1 |
| HUB International | $251,217 | 1 |
Largest medical carriers
Medical premium written for these employers.
Fairfax 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.
| Fairfax | Virginia | United States | |
|---|---|---|---|
| Employer plans | 63 | 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 | $111,571 | $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, 69 Fairfax employers reported $15M in premiums and $8.8M in broker pay for 72,275 participants; in 2024 it was $14M and $9.5M for 74,295 participants (premiums −8.7%, broker pay +8.0%).
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 Fairfax employers pay health insurance brokers?
63 Fairfax employers reported $9,506,606 in broker commissions and fees on their 2024 Form 5500 filings, 60 of them disclosing at least some compensation. Too few fully insured medical plans in Fairfax 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 Fairfax employer that disclosed broker pay reported $111,571.
Which Fairfax employers have the largest health plans?
By insurance premium reported for 2024, Zeta Associates Incorporated ($2.5M), Ecs Federal, LLC ($2.3M), Pediatric Specialists of Virginia ($2.1M) lead. 25 Fairfax employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Fairfax?
By compensation reported by Fairfax employers, the largest brokers are Mercer ($2.1M, 5 plans), USI Insurance Services ($785,629, 9 plans), Lockton ($784,229, 5 plans). By medical premium, the largest carriers are Cigna Health and Life Insurance Company, Group Hospitalization Medical Services, Inc., Unitedhealthcare Insurance Company.
Are Fairfax employer health plans self-funded or fully insured?
Of 63 Fairfax employer plans, 12 are fully insured, 20 are self-funded and 31 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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