Norfolk, Virginia employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
52 employers in Norfolk, Virginia filed health plans with 100 or more participants for plan year 2024, covering 28,266 participants. They reported $1.1M in insurance premiums and $5.1M in broker commissions and fees. Against 2023, premiums were down 23.1% and broker pay rose 78.2%.
Funding: 18 fully insured · 15 self-funded · 19 mixed. 34 of 52 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Norfolk
Norfolk employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Children's Specialty Group, PLLC | $243,483 | $83,784 | 400 | Marsh McLennan Agency |
| Willcox & Savage, P.C. | $205,248 | $56,806 | 109 | USI Insurance Services |
| Colonnas Shipyard, Inc | $203,834 | $153,153 | 607 | Marsh McLennan Agency |
| Lyon Shipyard, Inc. | $177,272 | $564,565 | 263 | Marsh McLennan Agency |
| Cma CGM America LLC | $143,742 | $86,048 | 1,608 | Mercer |
| The Barry Robinson Center | $92,365 | $32,620 | 276 | Freiden Agency LLC |
| Hope House Foundation, Inc. | $70,884 | $34,851 | 121 | Moss Iii |
| Children's Health System, Inc. | $0 | $368,016 | 3,279 | Child Health Corp of America |
| Board of Trustees of the Hrsa-Ila Welfare Fund | $0 | — | 3,124 | — |
| Pra Group, Inc. | $0 | $106,928 | 2,160 | Willis Towers Watson |
| Titan America LLC | $0 | $16,493 | 1,915 | Mercer |
| Harbor Group Management Co., LLC | $0 | $144,376 | 1,412 | Mercer |
| S.L. Nusbaum Realty Co. | $0 | $131,246 | 898 | The Frieden Agency Inc |
| Hampton Roads Connector Partners HRCP Joint Venture | $0 | $66,425 | 860 | Higginbotham |
| Landmark Media Enterprises, LLC | $0 | $3,166 | 837 | Mercer |
| BD of Trustees-Operating Engineers Local Union No. 147 Health Fund | $0 | — | 706 | — |
| Zim American Integrated Shipping Services, Co., LLC | $0 | $53,405 | 562 | Img |
| Tegra LLC | $0 | $135,169 | 533 | USI Insurance Services |
| Plumbers & Fitters Local Union No. 110 Benefit Trust Fund | $0 | — | 529 | H.J. Knight International Insurance |
| Virginia Port Authority | $0 | $13,755 | 481 | Multiple Brokers (see Appendix) |
| Tidewater Electrical Industry Health Fund | $0 | — | 449 | — |
| Air Control Concepts, LLC | $0 | $176,442 | 430 | Thompson Flanagan Benefits Group |
| Air Control Concepts Parent, LLC | $0 | $176,442 | 430 | Thompson Flanagan Benefits Group |
| Life Protect 24/7 Inc. | $0 | $22,061 | 417 | OneDigital |
| Marine Hydraulics International, LLC | $0 | $51,620 | 372 | USI Insurance Services |
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 Norfolk employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| USI Insurance Services | $1,213,764 | 10 |
| Marsh McLennan Agency | $508,578 | 11 |
| Thompson Flanagan Benefits Group | $352,884 | 2 |
| Mercer | $299,948 | 5 |
| Gis Benefits Inc | $246,660 | 3 |
| Frieden Agency LLC | $218,606 | 7 |
| Child Health Corp of America | $210,633 | 1 |
| Willis Towers Watson | $100,045 | 1 |
| Tfa Benefits | $86,065 | 2 |
| Higginbotham | $66,425 | 1 |
Largest medical carriers
Medical premium written for these employers.
Norfolk 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.
| Norfolk | Virginia | United States | |
|---|---|---|---|
| Employer plans | 52 | 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 | $55,456 | $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, 56 Norfolk employers reported $1.5M in premiums and $2.9M in broker pay for 49,227 participants; in 2024 it was $1.1M and $5.1M for 28,266 participants (premiums −23.1%, broker pay +78.2%).
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 Norfolk employers pay health insurance brokers?
52 Norfolk employers reported $5,142,373 in broker commissions and fees on their 2024 Form 5500 filings, 47 of them disclosing at least some compensation. Too few fully insured medical plans in Norfolk 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 Norfolk employer that disclosed broker pay reported $55,456.
Which Norfolk employers have the largest health plans?
By insurance premium reported for 2024, Children's Specialty Group, PLLC ($243,483), Willcox & Savage, P.C. ($205,248), Colonnas Shipyard, Inc ($203,834) lead. 25 Norfolk employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Norfolk?
By compensation reported by Norfolk employers, the largest brokers are USI Insurance Services ($1.2M, 10 plans), Marsh McLennan Agency ($508,578, 11 plans), Thompson Flanagan Benefits Group ($352,884, 2 plans). By medical premium, the largest carriers are Triple S Salud, Inc., Anthem Health Plans of Virginia dba Anthem BCBS, Anthem Health Plans of Virginia, Inc..
Are Norfolk employer health plans self-funded or fully insured?
Of 52 Norfolk employer plans, 18 are fully insured, 15 are self-funded and 19 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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