Eau Claire, Wisconsin employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
24 employers in Eau Claire, Wisconsin filed health plans with 100 or more participants for plan year 2024, covering 26,389 participants. They reported $3.9M in insurance premiums and $1.3M in broker commissions and fees. Against 2023, premiums were up 23.0% and broker pay rose 1.3%.
Funding: 3 fully insured · 15 self-funded · 6 mixed. 21 of 24 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Eau Claire
Eau Claire employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Eau Claire Cooperative Oil Company | $1,583,921 | $51,189 | 146 | Midwest Select Insurance Group, LLC |
| Security Financial Bank | $911,264 | $39,672 | 118 | J.A. Counter & Associates, Inc. |
| Grace Lutheran Foundation, Inc. | $908,011 | $46,742 | 117 | Watchtower Benefits LLC |
| Citizens Community Federal National Association | $123,537 | $30,086 | 203 | Cottingham & Butler |
| Kristo, LTD | $123,406 | $17,754 | 221 | Lockton |
| Drylock Technologies, LTD. | $118,777 | $20,381 | 219 | — |
| Hutchinson Technology - a TDK Group Company | $87,595 | $26,846 | 181 | Mercer |
| Bowe Business Group, Inc. | $38,481 | $12,398 | 199 | Ja Counter & Associates |
| Menard, Inc. | $0 | $562,378 | 14,596 | Lockton |
| Board of Joint Trustees of North Central States Regional Council of | $0 | — | 6,037 | — |
| Royal Credit Union | $0 | $44,043 | 819 | Hays Companies |
| National Presto Industries Inc | $0 | $30,191 | 769 | Preferred Benefit Concepts Inc |
| Summit Dental Management, S.C. | $0 | $44,476 | 521 | Darrel Zaleski |
| Diversified Management Group, Inc. | $0 | $18,448 | 347 | — |
| Oakleaf Clinics, Inc. | $0 | $22,846 | 282 | Ja Counter & Associates |
| Ayres Associates Inc. | $0 | $28,863 | 267 | — |
| Huntsinger Farms, Inc. | $0 | $36,909 | 225 | C2 Centric, LLC |
| Doro, Incorporated | $0 | $15,742 | 202 | T I C Inc |
| Source Energy Services US LP | $0 | $105,649 | 188 | Gallagher |
| Pesi, Inc. | $0 | $22,815 | 178 | Ja Counter & Associates, Inc. |
| Indianhead Foodservice Distributor, Inc. | $0 | $24,603 | 167 | Connor & Gallagher Benefits Service |
| Benefit Plan Administrators of Eau Claire, LLC | $0 | $32,210 | 137 | Hauser Inc |
| Huebsch Laundry Company | $0 | — | 132 | — |
| Brotoloc Health Care Systems, Inc. | $0 | $15,988 | 118 | 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 Eau Claire employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Lockton | $580,132 | 2 |
| Gallagher | $105,649 | 1 |
| Midwest Select Insurance Group LLC | $48,602 | 1 |
| Darrel Zaleski | $44,476 | 1 |
| Ja Counter & Associates | $33,699 | 3 |
| Hays Companies | $31,618 | 1 |
| Preferred Benefit Concepts | $30,191 | 1 |
| Cottingham & Butler | $30,086 | 1 |
| Mercer | $26,846 | 1 |
| Hauser Inc | $26,359 | 1 |
Largest medical carriers
Medical premium written for these employers.
Eau Claire 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.
| Eau Claire | Wisconsin | United States | |
|---|---|---|---|
| Employer plans | 24 | 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 | $29,475 | $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, 23 Eau Claire employers reported $3.2M in premiums and $1.2M in broker pay for 26,621 participants; in 2024 it was $3.9M and $1.3M for 26,389 participants (premiums +23.0%, broker pay +1.3%).
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 Eau Claire employers pay health insurance brokers?
24 Eau Claire employers reported $1,250,229 in broker commissions and fees on their 2024 Form 5500 filings, 22 of them disclosing at least some compensation. Too few fully insured medical plans in Eau Claire 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 Eau Claire employer that disclosed broker pay reported $29,475.
Which Eau Claire employers have the largest health plans?
By insurance premium reported for 2024, Eau Claire Cooperative Oil Company ($1.6M), Security Financial Bank ($911,264), Grace Lutheran Foundation, Inc. ($908,011) lead. 24 Eau Claire employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Eau Claire?
By compensation reported by Eau Claire employers, the largest brokers are Lockton ($580,132, 2 plans), Gallagher ($105,649, 1 plans), Midwest Select Insurance Group LLC ($48,602, 1 plans). By medical premium, the largest carriers are Security Health Plan of Wisconsin, Inc., Medica Insurance Company, Blue Cross & Blue Shield of Wisconsin.
Are Eau Claire employer health plans self-funded or fully insured?
Of 24 Eau Claire employer plans, 3 are fully insured, 15 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 Wisconsin
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