Falls Church, Virginia employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
26 employers in Falls Church, Virginia filed health plans with 100 or more participants for plan year 2024, covering 162,255 participants. They reported $398,002 in insurance premiums and $5.3M in broker commissions and fees. Against 2023, premiums were down 19.2% and broker pay fell 28.7%.
Funding: 6 fully insured · 9 self-funded · 11 mixed. 20 of 26 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Falls Church
Falls Church employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Bae Systems, Inc. | $227,004 | $10,177 | 31,892 | Willis Towers Watson |
| Cognosante, LLC | $149,021 | $516,152 | 1,111 | Lockton |
| Eagle Alliance | $21,977 | $32,362 | 250 | Willis Towers Watson |
| Northrop Grumman Corporation | $0 | $3,044,150 | 96,740 | Mercer |
| Trustees of National Stabilization Agreement of the Sheet Metal Indust | $0 | — | 23,840 | — |
| Hitt Contracting Inc. | $0 | $21,794 | 1,705 | James R. Nelligan Associates, LLC |
| Tlingit Haida Tribal Business Corporation | $0 | $430,333 | 1,572 | Marsh McLennan Agency |
| Global Tel Link Corporation dba Viapath Technologies | $0 | $258,347 | 1,242 | Lockton |
| Kastle Systems International LLC | $0 | $47,056 | 700 | USI Insurance Services |
| Beyer Automotive Management LLC | $0 | $46,284 | 335 | Hilb Group of Maryland |
| The Cardiovascular Group, P.C. | $0 | $25,982 | 322 | The Meltzer Group Inc |
| Northern Virginia Family Service | $0 | $43,090 | 319 | Marsh McLennan Agency |
| Markon, LLC | $0 | $47,212 | 303 | Brown & Brown |
| L.F. Jennings, Inc. | $0 | $8,034 | 206 | Brown & Brown |
| Falls Church Opco LLC | $0 | $31,620 | 175 | The Frieden Agency Inc |
| Arservices, Limited | $0 | $103,112 | 170 | Capital Services Inc |
| The Prospective Group, Inc dba TPG | $0 | $141,692 | 170 | The Meltzer Group, Inc |
| Petroleum Marketing Group, Inc. | $0 | $17,845 | 169 | Brown & Brown |
| Tax Analysts | $0 | $149,764 | 165 | OneDigital |
| Axiom Resource Management, Inc. | $0 | $23,136 | 156 | Gallagher |
| T and T Consulting Services, Inc | $0 | $36,552 | 145 | The Meltzer Group, Inc |
| Alesig Consulting, LLC | $0 | $79,246 | 136 | Patriot Growth |
| Microsystems Automation Group | $0 | $53,405 | 113 | USI Insurance Services |
| Dynamis, Inc. | $0 | $17,724 | 110 | The Baldwin Group |
| Pulmonary and Medical Associates of Northern Virginia LTD | $0 | $6,800 | 105 | Coudon, George P |
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 Falls Church employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Mercer | $2,810,537 | 1 |
| Lockton | $772,029 | 2 |
| Marsh McLennan Agency | $548,951 | 4 |
| Pacific Resources Benefits Advisors | $233,550 | 1 |
| The Meltzer Group Inc | $156,125 | 3 |
| OneDigital | $118,308 | 1 |
| Capital Services Inc | $91,542 | 1 |
| USI Insurance Services | $89,740 | 2 |
| Brown & Brown | $73,091 | 3 |
| Patriot Growth | $50,416 | 1 |
Largest medical carriers
Medical premium written for these employers.
Falls Church 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.
| Falls Church | Virginia | United States | |
|---|---|---|---|
| Employer plans | 26 | 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 | $46,284 | $71,889 | $72,628 |
| Medical premium per covered person | n/a | $6,864 | $7,274 |
| Plans reporting no commission | 1 | 5 | 933 |
Year over year. In plan year 2023, 29 Falls Church employers reported $492,476 in premiums and $7.4M in broker pay for 160,063 participants; in 2024 it was $398,002 and $5.3M for 162,255 participants (premiums −19.2%, broker pay −28.7%).
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 Falls Church employers pay health insurance brokers?
26 Falls Church employers reported $5,258,802 in broker commissions and fees on their 2024 Form 5500 filings, 25 of them disclosing at least some compensation. Too few fully insured medical plans in Falls Church 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 Falls Church employer that disclosed broker pay reported $46,284.
Which Falls Church employers have the largest health plans?
By insurance premium reported for 2024, Bae Systems, Inc. ($227,004), Cognosante, LLC ($149,021), Eagle Alliance ($21,977) lead. 25 Falls Church employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Falls Church?
By compensation reported by Falls Church employers, the largest brokers are Mercer ($2.8M, 1 plans), Lockton ($772,029, 2 plans), Marsh McLennan Agency ($548,951, 4 plans). By medical premium, the largest carriers are Cigna Health and Life Insurance Company, Delaware American Life Insurance Company, Unitedhealthcare Insurance Company.
Are Falls Church employer health plans self-funded or fully insured?
Of 26 Falls Church employer plans, 6 are fully insured, 9 are self-funded and 11 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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