Appleton, Wisconsin employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
41 employers in Appleton, Wisconsin filed health plans with 100 or more participants for plan year 2024, covering 24,550 participants. They reported $1.5M in insurance premiums and $3.2M in broker commissions and fees. Against 2023, premiums were down 46.8% and broker pay rose 4.4%.
Funding: 5 fully insured · 24 self-funded · 12 mixed. 36 of 41 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Appleton
Appleton employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Fox Communities Credit Union | $325,413 | $54,499 | 457 | Lockton |
| PRN Health Services, LLC | $171,078 | $116,943 | 875 | McClone Agency Inc |
| Primary Care Associates of Appleton LTD | $159,043 | $41,684 | 159 | RSC Insurance Brokerage |
| Agropur Inc. | $158,930 | $158,148 | 1,982 | Cottingham & Butler Insurance |
| Triosim Corporation | $116,776 | $32,718 | 163 | Boon Administrative Services |
| Suburban Enterprises, Inc. | $106,876 | $93,344 | 208 | Jennon Caruth |
| Pro-Tec Services, Inc. | $105,747 | $71,762 | 219 | McClone Agency Inc |
| MCC, Inc. | $98,779 | $46,659 | 364 | Aon |
| Window Solutions, Inc | $83,567 | $115,515 | 215 | R&B Insurance Services |
| Toys for Trucks, Inc. | $70,592 | $30,213 | 182 | 5gbenefits LLC |
| Arden Property Group Inc. | $67,229 | $27,281 | 108 | RSC Insurance Brokerage |
| Van Vreede TV & Appliance, Inc. | $44,883 | $39,417 | 101 | McClone Agency Inc |
| Alliance Industries, Inc. | $37,594 | $13,748 | 132 | Marsh McLennan Agency |
| U.S. Venture, Inc. | $0 | $435,954 | 4,755 | USI Insurance Services |
| The Boldt Company | $0 | $99,034 | 1,854 | SBR Services LLC |
| Totalmed Staffing, LLC | $0 | $539,027 | 1,504 | HUB International |
| Salelytics, LLC | $0 | $15,528 | 1,494 | Mercer |
| Fleet Farm Group LLC | $0 | $140,212 | 1,393 | Cottingham & Butler Insurance |
| Great Northern Corporation | $0 | $97,750 | 1,045 | Brown & Brown |
| Air Wisconsin Airlines LLC | $0 | $25,867 | 955 | Mercer |
| Warehouse Specialists, LLC | $0 | $74,001 | 824 | Gallagher |
| Lawrence University of Wisconsin | $0 | $12,848 | 600 | Hays Companies |
| Agilex Business Solutions, LLC | $0 | $75,402 | 597 | Dimond Bros Insurance LLC |
| Werner Electric Supply Co. | $0 | $153,246 | 498 | Centerstone Insurance and Financial |
| Progressive Converting Inc | $0 | $12,168 | 484 | 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 Appleton employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| HUB International | $504,318 | 2 |
| USI Insurance Services | $412,176 | 8 |
| McClone Agency Inc | $387,858 | 7 |
| Cottingham & Butler | $313,768 | 3 |
| Gallagher | $250,617 | 3 |
| RSC Insurance Brokerage, Inc. | $188,766 | 5 |
| Centerstone Insurance and Financial | $100,762 | 1 |
| James R Nelligan & Associates LLC | $73,424 | 2 |
| Brown & Brown | $61,468 | 3 |
| SBR Services LLC | $60,319 | 1 |
Largest medical carriers
Medical premium written for these employers.
Appleton against Wisconsin 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.
| Appleton | Wisconsin | United States | |
|---|---|---|---|
| Employer plans | 41 | 1,402 | 58,547 |
| Median commission rate | n/a | 2.1% | 3.8% |
| Middle half of rates | n/a | 1.6% – 3.1% | 2.7% – 5.0% |
| Median broker pay per employer | $49,967 | $42,793 | $72,628 |
| Medical premium per covered person | n/a | $7,247 | $7,274 |
| Plans reporting no commission | 0 | 4 | 933 |
Year over year. In plan year 2023, 43 Appleton employers reported $2.9M in premiums and $3.1M in broker pay for 23,167 participants; in 2024 it was $1.5M and $3.2M for 24,550 participants (premiums −46.8%, broker pay +4.4%).
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 Appleton employers pay health insurance brokers?
41 Appleton employers reported $3,231,251 in broker commissions and fees on their 2024 Form 5500 filings, 40 of them disclosing at least some compensation. Too few fully insured medical plans in Appleton reported premium to compute a stable commission rate; the Wisconsin median is 2.1% and the U.S. median is 3.8%. In dollars, the median Appleton employer that disclosed broker pay reported $49,967.
Which Appleton employers have the largest health plans?
By insurance premium reported for 2024, Fox Communities Credit Union ($325,413), PRN Health Services, LLC ($171,078), Primary Care Associates of Appleton LTD ($159,043) lead. 25 Appleton employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Appleton?
By compensation reported by Appleton employers, the largest brokers are HUB International ($504,318, 2 plans), USI Insurance Services ($412,176, 8 plans), McClone Agency Inc ($387,858, 7 plans). By medical premium, the largest carriers are Unitedhealthcare Insurance Company, Blue Cross & Blue Shield of Wisconsin, Gravie, Inc..
Are Appleton employer health plans self-funded or fully insured?
Of 41 Appleton employer plans, 5 are fully insured, 24 are self-funded and 12 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 Wisconsin
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