Reston, Virginia employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
98 employers in Reston, Virginia filed health plans with 100 or more participants for plan year 2024, covering 236,969 participants. They reported $41M in insurance premiums and $25M in broker commissions and fees. Against 2023, premiums were down 3.9% and broker pay fell 22.5%.
Funding: 16 fully insured · 31 self-funded · 51 mixed. 82 of 98 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Reston
Reston employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Peraton, Inc. | $10,920,706 | $1,113,946 | 16,704 | Lockton |
| NVR, Inc. | $6,519,222 | $185,952 | 6,439 | Corporate Synergies |
| Advanced Technology Holding, LLC | $5,927,580 | $250,458 | 433 | The Meltzer Group |
| General Dynamics Corporation | $5,628,778 | $8,947,442 | 45,056 | Marsh McLennan Agency |
| Caci Products Company, Inc | $2,653,321 | $142,649 | 199 | Patriot Growth |
| Ellucian Company LLC | $2,135,276 | $226,780 | 2,344 | Lockton |
| Noblis, Inc. | $1,438,199 | $318,813 | 2,171 | Lockton |
| Carahsoft Technology Corp | $1,421,702 | $244,461 | 2,238 | Synergy Group Benefits Inc |
| Guidance Residential LLC | $1,404,092 | $123,768 | 137 | USI Insurance Services |
| Technology Solutions Provider, LLC. | $929,358 | $215,704 | 137 | Capital Group Benefits Inc |
| Iworks Corporation | $455,302 | $80,536 | 137 | USI Insurance Services |
| Amyx, Inc. | $355,578 | $29,766 | 515 | Gallagher |
| National Wildlife Federation | $331,346 | $42,107 | 414 | Gallagher |
| Bowman Consulting Group, LTD | $227,657 | $290,955 | 2,834 | The Meltzer Group Inc |
| American Armed Forces Mutual Aid Association | $136,925 | $73,172 | 145 | Automatic Data Processing Insurance |
| Ovh US, LLC | $126,951 | $96,207 | 161 | Lockton |
| John Marshall Bank | $119,421 | $62,506 | 105 | Bankers Insurance LLC |
| Sos International LLC | $78,373 | $199,608 | 1,475 | The Meltzer Group NFP Benefits |
| Leidos, Inc. | $0 | $1,240,996 | 32,747 | Mercer |
| Science Applications International Corporation | $0 | $930,495 | 22,529 | Lockton |
| Caci International Inc. | $0 | $1,236,588 | 22,434 | Willis Towers Watson |
| Volkswagen Group of America, Inc. | $0 | $270,565 | 9,664 | Aon |
| Gate Gourmet, Inc. | $0 | $39,246 | 9,506 | Willis Towers Watson |
| Icf Consulting Group, Inc. | $0 | $250,427 | 8,091 | Willis Towers Watson |
| Stride, Inc. | $0 | $308,644 | 7,499 | 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 Reston employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Marsh McLennan Agency | $9,596,507 | 13 |
| Lockton | $3,168,338 | 14 |
| Willis Towers Watson | $2,321,277 | 9 |
| USI Insurance Services | $2,214,333 | 15 |
| The Meltzer Group Inc | $1,270,979 | 19 |
| Mercer | $1,207,307 | 9 |
| Gallagher | $552,513 | 8 |
| Patriot Growth | $420,099 | 7 |
| Corporate Synergies | $385,314 | 2 |
| OneDigital | $289,353 | 3 |
Largest medical carriers
Medical premium written for these employers.
Reston 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.
| Reston | Virginia | United States | |
|---|---|---|---|
| Employer plans | 98 | 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 | $94,348 | $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, 100 Reston employers reported $42M in premiums and $32M in broker pay for 232,683 participants; in 2024 it was $41M and $25M for 236,969 participants (premiums −3.9%, broker pay −22.5%).
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 Reston employers pay health insurance brokers?
98 Reston employers reported $25,055,615 in broker commissions and fees on their 2024 Form 5500 filings, 98 of them disclosing at least some compensation. Too few fully insured medical plans in Reston 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 Reston employer that disclosed broker pay reported $94,348.
Which Reston employers have the largest health plans?
By insurance premium reported for 2024, Peraton, Inc. ($11M), NVR, Inc. ($6.5M), Advanced Technology Holding, LLC ($5.9M) lead. 25 Reston employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Reston?
By compensation reported by Reston employers, the largest brokers are Marsh McLennan Agency ($9.6M, 13 plans), Lockton ($3.2M, 14 plans), Willis Towers Watson ($2.3M, 9 plans). By medical premium, the largest carriers are Cigna Health and Life Insurance Company, Nationwide Life Insurance Company, Anthem Health Plans of Virginia dba Anthem BCBS.
Are Reston employer health plans self-funded or fully insured?
Of 98 Reston employer plans, 16 are fully insured, 31 are self-funded and 51 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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