Oshkosh, Wisconsin employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
23 employers in Oshkosh, Wisconsin filed health plans with 100 or more participants for plan year 2024, covering 29,699 participants. They reported $595,296 in insurance premiums and $2.0M in broker commissions and fees. Against 2023, premiums were down 66.0% and broker pay fell 0.4%.
Funding: 4 fully insured · 10 self-funded · 9 mixed. 19 of 23 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Oshkosh
Oshkosh employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Fox World Travel, Inc. | $156,754 | $33,182 | 213 | Brown & Brown |
| Muza Metal Products, LLC. | $88,326 | $53,321 | 146 | Willis Towers Watson |
| Valley Express, LLC | $86,449 | $109,453 | 228 | USI Insurance Services |
| Clarity Care, Inc. | $82,917 | $110,431 | 281 | Watchtower Technologies Inc |
| Oshkosh Door Company | $67,221 | $70,250 | 140 | Cottingham & Butler |
| Pacur, LLC | $61,556 | $50,047 | 131 | GCG Financial LLC |
| Block Iron & Supply Co., Inc. | $52,073 | $39,383 | 111 | McClone Agency Inc |
| Oshkosh Corporation | $0 | $584,376 | 15,683 | Gallagher |
| Amcor Flexibles North America, Inc. | $0 | $449,995 | 8,068 | Willis Towers Watson |
| 4imprint, Inc. | $0 | $40,506 | 1,589 | Gallagher |
| Hoffmaster Group, Inc. | $0 | $84,280 | 1,015 | Hays Companies |
| Silver Star Brands, Inc. | $0 | $54,469 | 280 | USI Insurance Services |
| Verve, a Credit Union | $0 | $58,147 | 240 | Lockton |
| Fox Valley Metrology, LTD. | $0 | $27 | 227 | USI Insurance Services |
| Evergreen Retirement Community, Inc. | $0 | $7,717 | 204 | USI Insurance Services |
| Oec Graphics, Inc. | $0 | $11,964 | 192 | The Horton Group, Inc. |
| Omni Glass & Paint, LLC | $0 | $26,165 | 190 | Cottingham & Butler Insurance |
| C. R. Meyer & Sons Company | $0 | $17,339 | 153 | McClone Agency Inc. |
| Acc Management Group, Inc. | $0 | $47,813 | 131 | Hausmann Group Inc |
| Experimental Aircraft Association, Inc. | $0 | $28,805 | 127 | Willis Towers Watson |
| Miravida Living | $0 | $19,330 | 121 | Dimond Bros Insurance |
| Castle-Pierce Corporation | $0 | $44,557 | 115 | 5gbenefits LLC |
| Lee Beverage of Wisconsin L.L.C. | $0 | $9,410 | 114 | Cottingham & Butler, Inc. |
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 Oshkosh employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Gallagher | $601,170 | 2 |
| Willis Towers Watson | $505,142 | 4 |
| USI Insurance Services | $150,627 | 5 |
| Cottingham & Butler | $102,194 | 3 |
| McClone Agency Inc | $78,212 | 4 |
| Hays Companies | $53,748 | 3 |
| Lockton | $51,707 | 1 |
| Hausmann Group Inc | $46,979 | 1 |
| 5gbenefits LLC | $46,091 | 2 |
| Brown & Brown | $39,717 | 2 |
Largest medical carriers
Medical premium written for these employers.
Oshkosh 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.
| Oshkosh | Wisconsin | United States | |
|---|---|---|---|
| Employer plans | 23 | 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 | $44,557 | $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, 22 Oshkosh employers reported $1.8M in premiums and $2.0M in broker pay for 28,087 participants; in 2024 it was $595,296 and $2.0M for 29,699 participants (premiums −66.0%, broker pay −0.4%).
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 Oshkosh employers pay health insurance brokers?
23 Oshkosh employers reported $1,950,967 in broker commissions and fees on their 2024 Form 5500 filings, 23 of them disclosing at least some compensation. Too few fully insured medical plans in Oshkosh 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 Oshkosh employer that disclosed broker pay reported $44,557.
Which Oshkosh employers have the largest health plans?
By insurance premium reported for 2024, Fox World Travel, Inc. ($156,754), Muza Metal Products, LLC. ($88,326), Valley Express, LLC ($86,449) lead. 23 Oshkosh employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Oshkosh?
By compensation reported by Oshkosh employers, the largest brokers are Gallagher ($601,170, 2 plans), Willis Towers Watson ($505,142, 4 plans), USI Insurance Services ($150,627, 5 plans). By medical premium, the largest carriers are Unitedhealthcare Insurance Company, Blue Cross & Blue Shield of Wisconsin, Compcare Health Services Insurance Corporation.
Are Oshkosh employer health plans self-funded or fully insured?
Of 23 Oshkosh employer plans, 4 are fully insured, 10 are self-funded and 9 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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