Morgantown, West Virginia employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
15 employers in Morgantown, West Virginia filed health plans with 100 or more participants for plan year 2024, covering 38,848 participants. They reported $85,908 in insurance premiums and $979,028 in broker commissions and fees. Against 2023, premiums were down 87.7% and broker pay rose 18.2%.
Funding: 2 fully insured · 7 self-funded · 6 mixed. 13 of 15 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Morgantown
Morgantown employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Swanson Industries, Inc. | $85,908 | $167,855 | 203 | Lewis, Norman E |
| West Virginia United Health System | $0 | — | 31,090 | — |
| West Virginia University Medical Corporation | $0 | — | 1,961 | — |
| Monongalia Health System Inc | $0 | $27,609 | 1,643 | USI Insurance Services |
| Gabriel Brothers, Inc. | $0 | $67,226 | 1,034 | Aon |
| Greer Industries, Inc. | $0 | $77,813 | 699 | Willis Towers Watson |
| West Virginia University Research Corporation | $0 | $130,933 | 522 | Paul White |
| Hope Gas, Inc. | $0 | $94,516 | 470 | Gallagher |
| Bruceton Farm Service, Inc. | $0 | $55,805 | 260 | Hilb Group of West Virginia |
| Hearthstone Holdings, Inc. | $0 | $21,200 | 202 | USI Insurance Services |
| Action Facilities Management, Inc. | $0 | $52,935 | 190 | Marsh McLennan Agency |
| Mulberry Street Management Services, Inc. | $0 | $92,313 | 156 | Stalwart Insurance, LLC |
| Nextgen Federal Systems, LLC | $0 | $91,923 | 150 | Alliant Insurance Services |
| The March-Westin Company, Inc. & Su | $0 | $27,004 | 138 | USI Insurance Services |
| Anderson Excavating, LLC | $0 | $71,896 | 130 | Henderson Brothers, 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 Morgantown employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Aon | $117,999 | 2 |
| USI Insurance Services | $117,526 | 5 |
| Lewis, Norman E | $101,847 | 1 |
| Alliant Insurance Services | $91,923 | 1 |
| Henderson Brothers, Inc. | $71,896 | 1 |
| Willis Towers Watson | $71,327 | 1 |
| Stalwart Insurance LLC | $71,094 | 1 |
| Paul White | $65,615 | 1 |
| Hilb Group of West Virginia | $55,805 | 1 |
| AssuredPartners | $52,763 | 1 |
Largest medical carriers
Medical premium written for these employers.
Morgantown against West 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.
| Morgantown | West Virginia | United States | |
|---|---|---|---|
| Employer plans | 15 | 156 | 58,547 |
| Median commission rate | n/a | 2.3% | 3.8% |
| Middle half of rates | n/a | 2.3% – 2.3% | 2.7% – 5.0% |
| Median broker pay per employer | $71,896 | $50,231 | $72,628 |
| Medical premium per covered person | n/a | n/a | $7,274 |
| Plans reporting no commission | 0 | 3 | 933 |
Year over year. In plan year 2023, 14 Morgantown employers reported $701,191 in premiums and $828,290 in broker pay for 34,843 participants; in 2024 it was $85,908 and $979,028 for 38,848 participants (premiums −87.7%, broker pay +18.2%).
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 Morgantown employers pay health insurance brokers?
15 Morgantown employers reported $979,028 in broker commissions and fees on their 2024 Form 5500 filings, 13 of them disclosing at least some compensation. Too few fully insured medical plans in Morgantown reported premium to compute a stable commission rate; the West Virginia median is 2.3% and the U.S. median is 3.8%. In dollars, the median Morgantown employer that disclosed broker pay reported $71,896.
Which Morgantown employers have the largest health plans?
By insurance premium reported for 2024, Swanson Industries, Inc. ($85,908), West Virginia United Health System ($0), West Virginia University Medical Corporation ($0) lead. 15 Morgantown employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Morgantown?
By compensation reported by Morgantown employers, the largest brokers are Aon ($117,999, 2 plans), USI Insurance Services ($117,526, 5 plans), Lewis, Norman E ($101,847, 1 plans). By medical premium, the largest carriers are Highmark Blue Cross Blue Shield West Virginia, Cigna Health and Life Insurance Company, Aultcare Insurance Company.
Are Morgantown employer health plans self-funded or fully insured?
Of 15 Morgantown employer plans, 2 are fully insured, 7 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 West Virginia
Is your company on this page? Get its Form 5500 read next to the Morgantown, West Virginia medians.
Tell us the company and a specialist writes up what the public Form 5500 record shows for it, if it files one: broker pay against the medians above, fee disclosure and filing timeliness, in a form you can forward to your CFO or counsel. Tick the box if you also want a 15-minute walkthrough call.
We don't sell your email. By submitting, you agree that BenefitsLedger and its benefits advisory partner, WellthCare, may email or call you about these findings. Opt out anytime by replying. See our privacy policy.