Herndon, Virginia employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
77 employers in Herndon, Virginia filed health plans with 100 or more participants for plan year 2024, covering 84,513 participants. They reported $26M in insurance premiums and $14M in broker commissions and fees. Against 2023, premiums were down 18.6% and broker pay rose 12.8%.
Funding: 12 fully insured · 17 self-funded · 48 mixed. 65 of 77 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Herndon
Herndon employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Akima, LLC | $10,062,603 | $589,458 | 4,048 | Willis Towers Watson |
| Beacon Sales Acquisition, Inc. | $7,132,362 | $1,318,071 | 7,567 | Lockton |
| Constellis, LLC | $1,830,011 | $198,406 | 4,148 | Lockton |
| Navient Corporation | $1,463,706 | $408,639 | 3,759 | Gallagher |
| Strategic Education, Inc. | $1,067,401 | $106,131 | 2,952 | Lockton |
| Peraton Solutions Inc. | $1,060,408 | $168,634 | 2,489 | Lockton |
| National Student Clearinghouse | $418,517 | $309,144 | 375 | Lockton |
| National Rural Telecommunications Cooperative | $402,052 | $338,538 | 722 | Gallagher |
| Lancesoft, Inc. | $346,748 | $29,590 | 1,865 | HUB International |
| Zolon Tech Inc. | $320,886 | $116,899 | 274 | Jyoti Gujral |
| Securitas Critical Infrastructure Services, Inc. | $297,169 | $118,022 | 10,780 | Custom Benefits Prog Inc |
| Probity, Inc. | $270,909 | $89,088 | 269 | Keystone Ins. & Benefits Group, LLC |
| Sequoia Holdings, LLC | $268,627 | $157,161 | 197 | USI Insurance Services |
| Fibertek, Inc. | $257,978 | $208,123 | 199 | Deborah C. Beaghler |
| Chameleon Consulting Group | $210,969 | $65,391 | 158 | The Foley Insurance Agency Inc |
| Lockwood Hills Federal, LLC | $180,846 | $1,074 | 559 | Fce Benefit Administrators Inc |
| Northwest Federal Credit Union | $96,391 | $73,704 | 626 | Mercer |
| Forfeiture Support Associates, LLC | $84,272 | $177,997 | 967 | Willis Towers Watson |
| Mantech International Corporation | $0 | $1,232,853 | 8,462 | Mercer |
| Serco Inc. | $0 | $317,115 | 7,625 | Willis Towers Watson |
| Airbus Americas, Inc | $0 | $1,185,076 | 3,458 | Mercer |
| Valiant Integrated Services | $0 | $859,014 | 2,923 | Advocate, Inc. |
| Eplus Inc. | $0 | $166,457 | 1,801 | OneDigital |
| Deltek, Inc. | $0 | $10,489 | 1,574 | USI Insurance Services |
| Linquest Corporation | $0 | $241,501 | 1,474 | 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 Herndon employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Lockton | $3,427,920 | 15 |
| Mercer | $2,600,448 | 4 |
| Willis Towers Watson | $1,082,505 | 3 |
| OneDigital | $1,009,339 | 6 |
| Gallagher | $794,281 | 4 |
| Advocate, Inc. | $706,931 | 1 |
| The Baldwin Group | $513,344 | 6 |
| Enrollment Benefit Concepts, LLC | $419,460 | 1 |
| USI Insurance Services | $347,481 | 6 |
| Patriot Growth | $266,208 | 6 |
Largest medical carriers
Medical premium written for these employers.
Herndon 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.
| Herndon | Virginia | United States | |
|---|---|---|---|
| Employer plans | 77 | 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 | $106,131 | $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, 70 Herndon employers reported $32M in premiums and $13M in broker pay for 96,793 participants; in 2024 it was $26M and $14M for 84,513 participants (premiums −18.6%, broker pay +12.8%).
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 Herndon employers pay health insurance brokers?
77 Herndon employers reported $14,197,527 in broker commissions and fees on their 2024 Form 5500 filings, 77 of them disclosing at least some compensation. Too few fully insured medical plans in Herndon 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 Herndon employer that disclosed broker pay reported $106,131.
Which Herndon employers have the largest health plans?
By insurance premium reported for 2024, Akima, LLC ($10M), Beacon Sales Acquisition, Inc. ($7.1M), Constellis, LLC ($1.8M) lead. 25 Herndon employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Herndon?
By compensation reported by Herndon employers, the largest brokers are Lockton ($3.4M, 15 plans), Mercer ($2.6M, 4 plans), Willis Towers Watson ($1.1M, 3 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of South Carolina, Unitedhealthcare Insurance Company, Triple S Salud, Inc..
Are Herndon employer health plans self-funded or fully insured?
Of 77 Herndon employer plans, 12 are fully insured, 17 are self-funded and 48 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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