Ranking · Plan year 2024 · Top 100
Employer health plans with the largest insurance premiums
Updated Download this list (CSV)
Total earned premium across every Schedule A contract (medical, dental, vision, life, disability, stop-loss). Insperity Holdings, Inc. of Kingwood, Texas leads the 2024 list with premiums of $2,519,453,592. Fully insured plans dominate this list because self-funded medical claims never appear as premium.
| # | Employer | Participants | Premiums | Broker pay |
|---|---|---|---|---|
| 1 | Insperity Holdings, Inc. · Kingwood, TX | 211,533 | $2,519,453,592 | $33,490 |
| 2 | Maine Education Association · Augusta, ME | 39,345 | $563,104,417 | $4,120,296 |
| 3 | ADP Totalsource, Inc. · Miami, FL | 552,196 | $458,299,031 | $9,430,744 |
| 4 | Acec Life/Health Insurance Trust Benefit Consortium · The Woodlands, TX | 34,732 | $413,354,718 | $19,239,985 |
| 5 | Trinet HR Iii, Inc. · Dublin, CA | 245,531 | $346,888,535 | $666,312 |
| 6 | Sanford · Fargo, ND | 43,497 | $291,781,380 | $320,600 |
| 7 | Walmart Inc. · Bentonville, AR | 1,615,389 | $270,322,753 | $160,019 |
| 8 | Paychex Business Solutions LLC · ST Petersburg, FL | 197,994 | $252,559,425 | $5,763,112 |
| 9 | McDonalds Licensees Health and Welfare Trust · Chicago, IL | 22,546 | $239,294,091 | $1,345,560 |
| 10 | Trustees of the University of PA · Bala Cynwyd, PA | 47,576 | $209,188,831 | $815,486 |
| 11 | Massachusetts Bankers Association Inc. · Boston, MA | 9,834 | $199,601,865 | $2,978 |
| 12 | Board of Trustees of Mid-America Carpenters Regional Council Health Fu · Chicago, IL | 20,554 | $195,607,488 | $391,055 |
| 13 | Dignity Health · San Francisco, CA | 58,879 | $189,009,644 | $1,648,198 |
| 14 | AT&T Inc. · Dallas, TX | 302,269 | $183,576,074 | $453,032 |
| 15 | Coadvantage Resources Inc. · Bradenton, FL | 51,204 | $151,927,043 | $398,201 |
| 16 | Cooperating Railway Labor Organizations · Cleveland, OH | 33,362 | $149,844,597 | $0 |
| 17 | Blue Cross and Blue Shield of Florida, Inc. · Jacksonville, FL | 10,035 | $145,232,742 | $0 |
| 18 | Board of Trustees of the MLB Lwip · New York, NY | 9,027 | $139,440,974 | $5,874,400 |
| 19 | Northwestern University · Evanston, IL | 12,195 | $135,291,785 | $963,581 |
| 20 | Ace Hardware Corporation · Oak Brook, IL | 8,835 | $133,858,594 | $0 |
| 21 | The Boeing Co. and Consolidated Subsidiaries · Seattle, WA | 135,462 | $131,820,993 | $5,880,543 |
| 22 | Pactiv Evergreen Services Inc. · Lake Forest, IL | 10,080 | $129,811,593 | $2,076,881 |
| 23 | Lockheed Martin Corporation · Bethesda, MD | 112,559 | $127,594,931 | $2,761,455 |
| 24 | Northwestern Mutual Field Associations · Milwaukee, WI | 9,173 | $126,872,459 | $30,000 |
| 25 | Board of Trustees In/Ky/Oh RGNL Council of Carpenters Welfare Fund · Troy, MI | 15,706 | $126,052,002 | $0 |
| 26 | The Permanente Medical Group, Inc. · Oakland, CA | 44,242 | $125,114,525 | $4,121,408 |
| 27 | Independent Colleges and Universities Benefits Association, Inc · Orlando, FL | 8,632 | $123,279,558 | $0 |
| 28 | Kaiser Foundation Health Plan, Inc. · Oakland, CA | 141,840 | $122,070,437 | $2,533,736 |
| 29 | Vna, Inc. · Columbia, MD | 1,174 | $112,281,171 | $42,360 |
| 30 | Teamsters Union Local 25 Health Services & Insurance Plan · Charlestown, MA | 7,994 | $110,656,266 | $1,179,294 |
| 31 | General Electric Company, Operating As GE Aerospace · Evendale, OH | 140,307 | $110,189,296 | $45,555 |
| 32 | Justworks Employment Group LLC · New York, NY | 131,268 | $106,607,527 | $3,448,863 |
| 33 | Hub International Limited · Oakbrook Terrace, IL | 12,225 | $105,740,693 | $2,611,353 |
| 34 | The University of Chicago · Chicago, IL | 27,612 | $102,490,833 | $615,874 |
| 35 | State Farm Mutual Automobile Insurance Company · Bloomington, IL | 101,313 | $100,370,933 | $66,966 |
| 36 | Black Hills Corporation · Rapid City, SD | 2,982 | $100,223,556 | $15,515 |
| 37 | Aramark Services, Inc. · Philadelphia, PA | 62,460 | $99,547,601 | $1,549,030 |
| 38 | Garmin International, Inc. · Olathe, KS | 5,996 | $99,314,941 | $758,283 |
| 39 | National Oilwell Varco · Houston, TX | 11,627 | $95,176,921 | $1,068,866 |
| 40 | Hyatt Corporation · Chicago, IL | 27,705 | $91,273,651 | $300,658 |
| 41 | The University of Chicago Medical Center · Chicago, IL | 9,330 | $89,297,384 | $600,368 |
| 42 | Nokia of America Corporation · Murray Hill, NJ | 58,486 | $88,610,457 | $698,030 |
| 43 | Midamerican Energy Company · Des Moines, IA | 4,602 | $88,084,077 | $78,856 |
| 44 | Benefits Plus Trust Fund Welfare Benefit Plan · San Diego, CA | 3,091 | $87,102,044 | $0 |
| 45 | The Aspen Group (tag) · Chicago, IL | 15,139 | $85,081,940 | $5,451 |
| 46 | Arthrex, Inc · Naples, FL | 5,833 | $82,592,830 | $563,366 |
| 47 | Care New England · Providence, RI | 5,005 | $81,556,252 | $395,600 |
| 48 | Southern California Permanente Medical Group · Oakland, CA | 57,052 | $78,007,256 | $3,951,262 |
| 49 | Independence Blue Cross, LLC · Philadelphia, PA | 4,182 | $77,010,751 | $487,785 |
| 50 | Ath Holding Company LLC · Indianapolis, IN | 75,337 | $74,439,098 | $0 |
| 51 | Dot Holdings Co · MT. Sterling, IL | 6,164 | $72,814,561 | $392,404 |
| 52 | Cpe HR, Inc. Grace Drulias · Burbank, CA | 26,679 | $71,150,117 | $4,278,483 |
| 53 | GE Healthcare Technologies Inc. · Chicago, IL | 42,814 | $69,453,121 | $452,753 |
| 54 | Automobile Mechanics' Local No. 701 Union and Industry Welfare · Burr Ridge, IL | 6,506 | $68,936,176 | $154,356 |
| 55 | Communications Test Design, Inc. · West Chester, PA | 8,516 | $68,903,869 | $319,211 |
| 56 | McKinsey & Company, Inc. · New York, NY | 42,081 | $67,937,659 | $498,163 |
| 57 | The Prudential Insurance Company of America · Newark, NJ | 35,354 | $65,081,428 | $0 |
| 58 | Trustees Teamsters and Employers Welfare Trust · Earth City, MO | 4,800 | $62,268,439 | $20,193 |
| 59 | Trinet HR Iv, LLC · Dublin, CA | 24,261 | $61,972,528 | $249,786 |
| 60 | National Education Association of the United States · Washington, DC | 2,672,384 | $60,515,712 | $1,268,798 |
| 61 | American Airlines, Inc. -Benefits · Fort Worth, TX | 113,782 | $60,391,794 | $708,083 |
| 62 | RTX Corporation · Farmington, CT | 75,553 | $57,397,144 | $290,328 |
| 63 | Trustees of Ilwu-Pma Welfare Plan · San Francisco, CA | 25,159 | $56,951,156 | $0 |
| 64 | Childrens Hospital of Orange County · Orange, CA | 6,559 | $55,414,412 | $637,242 |
| 65 | Ford Motor Company · Dearborn, MI | 57,896 | $54,657,111 | $35,625 |
| 66 | Local No. 731 I B of T Health and Welfare Fund · Burr Ridge, IL | 3,928 | $54,470,501 | $44,779 |
| 67 | Enbridge Employee Services, Inc. · Houston, TX | 4,525 | $54,206,330 | $0 |
| 68 | CNC Oilfield Services, LLC · Baton Rouge, LA | 3,458 | $53,077,731 | $126,030 |
| 69 | Targa Resources LLC · Houston, TX | 3,187 | $52,577,862 | $562,655 |
| 70 | Trans Union LLC · Chicago, IL | 4,838 | $52,375,424 | $485,694 |
| 71 | Darden Restaurants, Inc. · Orlando, FL | 27,882 | $52,370,074 | $4,580,113 |
| 72 | Board of Trustees Texas Pipe Trades Health Benefit Plan · Houston, TX | 4,612 | $50,939,073 | $0 |
| 73 | LG Chem Michigan, Inc. · Holland, MI | 3,334 | $49,844,971 | $3,759,029 |
| 74 | Medical Management International, Inc. · Vancouver, WA | 19,852 | $49,690,688 | $939,568 |
| 75 | Hmma,llc · Montgomery, AL | 3,820 | $49,031,742 | $85,330 |
| 76 | HR Outsourcing Associates, LLC · Charlotte, NC | 3,467 | $48,817,275 | $395,383 |
| 77 | Guaranteed Rate, Inc. · Chicago, IL | 5,927 | $46,407,025 | $989,246 |
| 78 | Toast, Inc. · Boston, MA | 4,047 | $45,976,189 | $50,309 |
| 79 | Dte Energy Corporate Services, LLC · Detroit, MI | 23,318 | $45,600,306 | $73,362 |
| 80 | Marion County Medical Society Inc. Insurance Trust Fund · Ocala, FL | 5,101 | $44,881,053 | $89,962 |
| 81 | Utility Trailer Manufacturing Company, LLC · City of Industry, CA | 2,752 | $44,837,998 | $1,901,832 |
| 82 | Hcew Inc · City of Industry, CA | 2,752 | $44,837,998 | $1,901,832 |
| 83 | Ruan Transport Corporation · Des Moines, IA | 4,949 | $44,179,699 | $649,414 |
| 84 | Starbucks Corporation · Seattle, WA | 211,247 | $43,825,016 | $3,315,756 |
| 85 | Social Finance, Inc. · San Francisco, CA | 3,248 | $43,506,810 | $542,364 |
| 86 | SP Plus Corporation · Chicago, IL | 11,786 | $42,446,845 | $1,092,070 |
| 87 | Case Western Reserve University Postdoctoral Benefits Program · Cleveland, OH | 4,321 | $41,056,306 | $271,247 |
| 88 | Magnit Global Solutions, Inc · Jupiter, FL | 19,472 | $40,912,974 | $1,155,310 |
| 89 | Alkermes Inc. · Waltham, MA | 1,707 | $40,004,538 | $308,463 |
| 90 | The S2 HR Solutions Group 1, LLC · Saint Petersburg, FL | 21,305 | $39,397,258 | $3,076,654 |
| 91 | Altres Global Business Services, Inc. · Honolulu, HI | 7,222 | $38,336,562 | $113,805 |
| 92 | Sonesta International Hotels Corporation · Newton, MA | 6,227 | $38,208,217 | $1,034,104 |
| 93 | Torrance Health Association · Torrance, CA | 3,720 | $38,069,727 | $585,769 |
| 94 | Volvo Car USA LLC · Mahwah, NJ | 2,794 | $37,876,489 | $1,599,954 |
| 95 | Ricoh USA, Inc. · Exton, PA | 12,803 | $37,663,564 | $3,136,066 |
| 96 | Women & Infants Hospital · Providence, RI | 1,654 | $37,436,860 | $100,489 |
| 97 | Teleflex Incorporated · Wayne, PA | 3,955 | $37,201,658 | $868,657 |
| 98 | Evapco Inc · Taneytown, MD | 1,923 | $36,610,734 | $33,721 |
| 99 | Agri-Services Agency LLC · East Syracuse, NY | 2,412 | $36,240,964 | $33,809 |
| 100 | Linamar Holdings Nevada, Inc · Livonia, MI | 3,527 | $34,951,709 | $867,626 |
Source: DOL Form 5500 and Schedule A, plan year 2024; built October 24, 2026. Names as filed; a row reflects what the employer reported, and misfilings happen. Corrections: hello@benefitsledger.com. Methodology.
Which employers report the most insurance premium?
In plan year 2024 filings, Insperity Holdings, Inc. (Kingwood, Texas) ranks first, with premiums of $2,519,453,592. Maine Education Association is second and ADP Totalsource, Inc. third.
How is this list built?
Total earned premium across every Schedule A contract (medical, dental, vision, life, disability, stop-loss). Fully insured plans dominate this list because self-funded medical claims never appear as premium. Source: U.S. Department of Labor Form 5500 and Schedule A datasets, plan year 2024, built October 24, 2026.
Employer health plans that paid brokers the mostHighest broker commission rates on employer medical plansLargest self-funded employer health plansLargest fully insured employer health plansBiggest year-over-year increases in broker payBiggest year-over-year decreases in broker payEmployer health plans filed latest after the deadline