Sterling, Virginia employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
21 employers in Sterling, Virginia filed health plans with 100 or more participants for plan year 2024, covering 13,526 participants. They reported $0 in insurance premiums and $2.3M in broker commissions and fees. Against 2023, premiums were unchanged and broker pay rose 14.3%.
Funding: 9 fully insured · 6 self-funded · 6 mixed. 12 of 21 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Sterling
Sterling employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| MHM Services, Inc. | $0 | $477,984 | 6,571 | Lockton |
| Ashgrove Holdings, LLC | $0 | $55,791 | 1,344 | Henderson Brothers, Inc. |
| Cuisine Solutions, Inc. | $0 | $381,437 | 1,118 | Lockton |
| JK Moving Services | $0 | $129,793 | 619 | Marsh McLennan Agency |
| Antra, Inc. | $0 | $44,771 | 591 | Marsh McLennan Agency |
| Unanet, Inc. | $0 | $128,951 | 432 | The Meltzer Group Inc |
| Anderson Mechanical Services, Inc. | $0 | $30,504 | 356 | Gallagher |
| Prospect Waterproofing Company | $0 | $80,073 | 333 | The Baldwin Group |
| Benchmark Utility Services | $0 | $111,624 | 294 | Gallagher |
| Cynet Systems Inc | $0 | $61,433 | 255 | Acrisure |
| Schnabel Foundation Company, Inc. | $0 | $55,743 | 209 | Patriot Growth |
| Euclid Vision Corporation | $0 | $116,240 | 203 | OneDigital |
| Easterns Automotive Group | $0 | $36,452 | 194 | Wanada Business Services Corp |
| Northstrat, Inc. | $0 | $117,857 | 156 | The Meltzer Group, Inc. |
| Hardesty Concrete Construction, Inc. | $0 | $65,001 | 149 | Allegeant LLC |
| Core One Solutions LLC | $0 | $57,218 | 140 | Amwins Connect Administrators |
| Patriot Development Corporation | $0 | $134,998 | 133 | Silberstein Insurance Group, LLC |
| Occam Health Services LLC | $0 | $10,374 | 116 | Amwins Connect Administrators Inc |
| Alphasix | $0 | $51,734 | 113 | Employee Benefits Corp of America |
| Alpha Corporation | $0 | $102,040 | 100 | Marsh McLennan Agency |
| Frontpoint Security Solutions, LLC | $0 | $43,300 | 100 | 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 Sterling employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Lockton | $661,164 | 2 |
| Marsh McLennan Agency | $256,038 | 3 |
| The Meltzer Group Inc | $200,076 | 2 |
| Mercer | $198,256 | 1 |
| OneDigital | $105,535 | 1 |
| Gallagher | $94,528 | 2 |
| Silberstein Insurance Group, LLC | $89,662 | 1 |
| The Baldwin Group | $82,467 | 2 |
| Patriot Growth | $65,845 | 3 |
| Allegeant LLC | $65,001 | 1 |
Largest medical carriers
Medical premium written for these employers.
Sterling 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.
| Sterling | 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 | $65,001 | $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 Sterling employers reported $0 in premiums and $2.0M in broker pay for 12,454 participants; in 2024 it was $0 and $2.3M for 13,526 participants (broker pay +14.3%).
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 Sterling employers pay health insurance brokers?
21 Sterling employers reported $2,293,318 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 Sterling 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 Sterling employer that disclosed broker pay reported $65,001.
Which Sterling employers have the largest health plans?
By insurance premium reported for 2024, MHM Services, Inc. ($0), Ashgrove Holdings, LLC ($0), Cuisine Solutions, Inc. ($0) lead. 21 Sterling employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Sterling?
By compensation reported by Sterling employers, the largest brokers are Lockton ($661,164, 2 plans), Marsh McLennan Agency ($256,038, 3 plans), The Meltzer Group Inc ($200,076, 2 plans). By medical premium, the largest carriers are Unitedhealthcare Insurance Company, Cigna Health and Life Insurance Company, Anthem Health Plans of Virginia dba Anthem BCBS.
Are Sterling employer health plans self-funded or fully insured?
Of 21 Sterling employer plans, 9 are fully insured, 6 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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