Lynchburg, Virginia employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
21 employers in Lynchburg, Virginia filed health plans with 100 or more participants for plan year 2024, covering 19,939 participants. They reported $254,781 in insurance premiums and $3.3M in broker commissions and fees. Against 2023, premiums were up 10.8% and broker pay fell 13.4%.
Funding: 3 fully insured · 12 self-funded · 6 mixed. 18 of 21 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Lynchburg
Lynchburg employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Delta Star, Inc. | $254,781 | $320,878 | 872 | Marsh McLennan Agency |
| Centra Health, Inc. | $0 | $1,978,301 | 6,253 | Gallagher |
| BWXT Investment Company | $0 | $82,377 | 4,211 | EPIC Insurance Brokers |
| Framatome Inc. (fka Areva Inc.) | $0 | $125,097 | 2,081 | Aon |
| Thrive Counseling LLC | $0 | $74,225 | 1,536 | HUB International |
| Southern Air, Incorporated | $0 | $43,413 | 743 | Leahy Consulting Services |
| Dodson Brothers Exterminating Company, Inc. | $0 | $19,958 | 606 | James a Scott & Son Inc |
| NB Handy Company | $0 | $44,681 | 540 | Marsh McLennan Agency |
| Schewel Furniture Company, Inc | $0 | $12,489 | 439 | James a Scott & Son Inc |
| James A. Scott & Son, Inc. | $0 | $22,784 | 387 | James A. Scott & Son, Inc. |
| Orano USA LLC | $0 | $12,653 | 384 | Custom Benefit Programs Inc |
| Meriwether-Godsey, Inc. | $0 | $81,349 | 284 | James a Scott & Son Inc |
| Diamond Hill SNF Operations LLC | $0 | $10,640 | 280 | HUB International |
| Automated Conveyor Systems, Inc. | $0 | $166,388 | 248 | USI Insurance Services |
| English Construction Company, Inc | $0 | $4,143 | 237 | W D Campbell & Son, Inc. |
| Wiley Wilson | $0 | $77,985 | 173 | James a Scott & Son Inc |
| Randolph College | $0 | $8,589 | 168 | Marsh McLennan Agency |
| Hurt and Proffitt, Inc. | $0 | $1,292 | 129 | Leahy Consulting Services |
| Alliance Industrial Corporation | $0 | $71,439 | 128 | James a Scott & Son Inc |
| Presbyterian Homes & Family Services, Inc. dba Humankind | $0 | $51,920 | 123 | James a Scott & Son Inc |
| Amg, Inc. | $0 | $45,099 | 117 | Marsh McLennan Agency |
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 Lynchburg employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Gallagher | $1,441,852 | 1 |
| Benefit Communications Inc | $494,358 | 1 |
| Marsh McLennan Agency | $419,247 | 4 |
| James a Scott & Son Inc | $330,541 | 8 |
| USI Insurance Services | $128,604 | 1 |
| Aon | $125,850 | 2 |
| HUB International | $81,960 | 2 |
| EPIC Insurance Brokers | $76,246 | 1 |
| Leahy Consulting Services | $44,705 | 2 |
| Mark S Mettille | $37,783 | 1 |
Largest medical carriers
Medical premium written for these employers.
Lynchburg 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.
| Lynchburg | Virginia | United States | |
|---|---|---|---|
| Employer plans | 21 | 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 | $45,099 | $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, 21 Lynchburg employers reported $229,949 in premiums and $3.8M in broker pay for 21,679 participants; in 2024 it was $254,781 and $3.3M for 19,939 participants (premiums +10.8%, broker pay −13.4%).
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 Lynchburg employers pay health insurance brokers?
21 Lynchburg employers reported $3,255,700 in broker commissions and fees on their 2024 Form 5500 filings, 21 of them disclosing at least some compensation. Too few fully insured medical plans in Lynchburg 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 Lynchburg employer that disclosed broker pay reported $45,099.
Which Lynchburg employers have the largest health plans?
By insurance premium reported for 2024, Delta Star, Inc. ($254,781), Centra Health, Inc. ($0), BWXT Investment Company ($0) lead. 21 Lynchburg employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Lynchburg?
By compensation reported by Lynchburg employers, the largest brokers are Gallagher ($1.4M, 1 plans), Benefit Communications Inc ($494,358, 1 plans), Marsh McLennan Agency ($419,247, 4 plans). By medical premium, the largest carriers are Four Ever Life Ins Co., Anthem Health Plans of Virginia dba Anthem BCBS, Healthkeepers, Inc..
Are Lynchburg employer health plans self-funded or fully insured?
Of 21 Lynchburg employer plans, 3 are fully insured, 12 are self-funded and 6 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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