La Crosse, Wisconsin employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
19 employers in La Crosse, Wisconsin filed health plans with 100 or more participants for plan year 2024, covering 47,496 participants. They reported $10M in insurance premiums and $1.9M in broker commissions and fees. Against 2023, premiums were up 16.5% and broker pay fell 3.0%.
Funding: 3 fully insured · 11 self-funded · 5 mixed. 16 of 19 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in La Crosse
La Crosse employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Kwik Trip, Inc. | $9,514,862 | $533,141 | 34,632 | Tic Inc |
| River States Truck & Trailer, Inc. | $140,109 | $21,468 | 181 | Tic Inc |
| Nesnah Ventures LLC | $114,509 | $48,865 | 178 | The Insurance Center |
| Duratech Industries | $113,065 | $58,645 | 237 | The Insurance Center Inc. |
| Bethany Lutheran Homes, Inc | $103,525 | $43,596 | 235 | Brown & Brown |
| Chileda Institute, Inc. | $88,966 | $64,465 | 141 | T I C Inc |
| The Potato King, Inc. | $65,415 | $42,324 | 105 | Cottingham & Butler |
| Gundersen Lutheran Administrative Services Inc | $0 | $821,336 | 8,920 | Mercer |
| Rottinghaus Company Inc. | $0 | $32,569 | 418 | Michael J. Flanagan |
| Dairyland Power Cooperative | $0 | — | 401 | — |
| The Inland Label & Marketing Services, L | $0 | $37,114 | 366 | Gallagher |
| Marine Credit Union | $0 | — | 334 | — |
| Pepsi-Cola Bottling Co of Lacrosse | $0 | $52,568 | 286 | Watchtower Technologies Inc |
| Bethany ST. Joseph Corporation | $0 | $31,134 | 230 | USI Insurance Services |
| J. F. Brennan Company, Inc. | $0 | — | 219 | — |
| Walzcraft Industries, Inc | $0 | $62,955 | 205 | The Insurance Center, Inc |
| Hawkins Ash CPAS, LLP | $0 | $12,303 | 171 | Ansay & Associates LLC |
| Weber Holdings LLC | $0 | $10,370 | 125 | Tic Inc. |
| Orc Industries, Inc. | $0 | $6,586 | 112 | Diane Deters - 110193s |
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 La Crosse employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Mercer | $818,230 | 1 |
| Tic Inc | $569,847 | 5 |
| The Insurance Center | $167,429 | 4 |
| Cottingham & Butler | $42,324 | 1 |
| Brown & Brown | $40,925 | 1 |
| T.I.C., Inc. | $37,433 | 2 |
| Gallagher | $37,114 | 1 |
| USI Insurance Services | $23,293 | 1 |
| Ansay & Associates LLC | $12,303 | 1 |
| Watchtower Technologies Inc | $8,872 | 1 |
Largest medical carriers
Medical premium written for these employers.
La Crosse 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.
| La Crosse | Wisconsin | United States | |
|---|---|---|---|
| Employer plans | 19 | 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 | $42,960 | $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, 19 La Crosse employers reported $8.7M in premiums and $1.9M in broker pay for 49,852 participants; in 2024 it was $10M and $1.9M for 47,496 participants (premiums +16.5%, broker pay −3.0%).
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 La Crosse employers pay health insurance brokers?
19 La Crosse employers reported $1,879,439 in broker commissions and fees on their 2024 Form 5500 filings, 16 of them disclosing at least some compensation. Too few fully insured medical plans in La Crosse 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 La Crosse employer that disclosed broker pay reported $42,960.
Which La Crosse employers have the largest health plans?
By insurance premium reported for 2024, Kwik Trip, Inc. ($9.5M), River States Truck & Trailer, Inc. ($140,109), Nesnah Ventures LLC ($114,509) lead. 19 La Crosse employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in La Crosse?
By compensation reported by La Crosse employers, the largest brokers are Mercer ($818,230, 1 plans), Tic Inc ($569,847, 5 plans), The Insurance Center ($167,429, 4 plans). By medical premium, the largest carriers are Quartz Health Benefit Plans Corporation, Unitedhealthcare Insurance Company, American Heritage Life Insurance Company.
Are La Crosse employer health plans self-funded or fully insured?
Of 19 La Crosse employer plans, 3 are fully insured, 11 are self-funded and 5 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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