Construction employer health plans: what they cost and who gets paid
4,139 Construction employers filed health plans with 100 or more participants for plan year 2024, covering 3,316,909 participants. They reported $2.0B in insurance premiums and $365M in broker commissions and fees. The median broker rate on commission-paying, fully insured medical plans was 4.2% of premium, 0.4 points above the national median of 3.8%.
Largest brokers
Reported commissions and fees, with the number of employer plans naming each.
Largest medical carriers
Medical premium written.
Largest employer plans
By health plan participants.
Highest broker pay
Employers reporting the most broker commissions and fees.
| Employer | City | Broker pay | Rate |
|---|---|---|---|
| DR Horton, Inc | Arlington, TX | $2,130,445 | — |
| Cushman & Wakefield | Chicago, IL | $1,992,891 | 1.1% |
| MC Dean Inc | Tysons, VA | $1,989,962 | — |
| Topbuild Corp. | Daytona Beach, FL | $1,900,120 | — |
| The Haskell Company | Jacksonville, FL | $1,865,026 | — |
| Zachry Holdings, Inc. | San Antonio, TX | $1,601,383 | — |
| MMR Group, Inc. | Baton Rouge, LA | $1,467,304 | — |
| Brand Services, LLC | Atlanta, GA | $1,349,079 | — |
| The Chickasaw Nation | Ada, OK | $1,134,177 | — |
| Peter Kiewit Sons', Inc. | Omaha, NE | $1,108,928 | — |
| Installed Building Products, LLC | Columbus, OH | $1,044,539 | — |
| Board of Trustees of U.A. Local 38 Trust Funds | San Francisco, CA | $1,042,937 | — |
| Yates Services, LLC | Smyrna, TN | $1,017,773 | — |
| Jacobs Engineering Group Inc. | Dallas, TX | $1,015,155 | 0.5% |
| Turnpoint Services | Louisville, KY | $990,200 | — |
| Pultegroup, Inc. | Atlanta, GA | $976,727 | — |
| Mastec, Inc. | Coral Gables, FL | $959,233 | 4.0% |
| Industrial Manufacturing and Professional Commercial Trust | Lexington, KY | $957,781 | — |
| Trilon Group | Denver, CO | $942,839 | — |
| Northeast District Council of the Opcmia Welfare Fund | Bronx, NY | $935,011 | — |
| Bergelectric, Corp. | Carlsbad, CA | $927,138 | — |
| Freedom Forever, LLC | Temecula, CA | $899,486 | — |
| Skanska USA Building, Inc. | Parsippany, NJ | $886,237 | — |
| Wrench Group, LLC | Marietta, GA | $857,394 | — |
| Primoris Services Corporation | Dallas, TX | $853,403 | — |
Highest commission rates
Fully insured medical plans with at least $500,000 in premium, ranked by broker compensation as a share of premium.
Source: DOL Form 5500 and Schedule A, plan year 2024; built October 24, 2026. Methodology.
What do Construction employers pay health insurance brokers?
Across 297 fully insured medical plans in plan year 2024, among commission-paying fully insured medical plans, the median broker compensation for Construction employers was 4.2% of premium (middle half 3.0% to 5.3%), against a national median of 3.8%. In dollars, the median employer that disclosed broker pay reported $61,605.
Which Construction employers paid the most in broker commissions?
DR Horton, Inc reported the most in 2024, $2,130,445, followed by Cushman & Wakefield ($2.0M) and MC Dean Inc ($2.0M).
Which brokers and carriers dominate this industry?
By reported compensation, the largest brokers are Marsh McLennan Agency, Lockton, USI Insurance Services. By medical premium, the largest carriers are Bluecross Blueshield of Illinois, Cigna Health and Life Insurance Company, Blue Cross Blue Shield.