U.S. Virgin Islands employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
5 U.S. Virgin Islands employers filed health plans with 100 or more participants for plan year 2024, covering 744 participants. They reported $146,593 in insurance premiums and $453,183 in broker commissions and fees.
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.
| Employer | City | Participants |
|---|---|---|
| Naylor, LLC | McLean | 197 |
| Island Saints, LLC | ST Thomas | 190 |
| Limetree Bay Terminals, LLC | Christiansted | 155 |
| DTR Holdings, LLC | ST Thomas | 102 |
| Cc1 Virgin Islands Wine and Spirits, LLC | ST Thomas | 100 |
Highest broker pay
Employers reporting the most broker commissions and fees.
| Employer | City | Broker pay | Rate |
|---|---|---|---|
| Limetree Bay Terminals, LLC | Christiansted | $136,857 | — |
| Naylor, LLC | McLean | $114,599 | — |
| DTR Holdings, LLC | ST Thomas | $99,347 | — |
| Island Saints, LLC | ST Thomas | $99,187 | — |
| Cc1 Virgin Islands Wine and Spirits, LLC | ST Thomas | $3,193 | — |
Source: DOL Form 5500 and Schedule A, plan year 2024; built October 24, 2026. Methodology.
What do U.S. Virgin Islands employers pay health insurance brokers?
Too few fully insured medical plans in this group reported premium to compute a stable rate. In dollars, the median employer that disclosed broker pay reported $99,347.
Which U.S. Virgin Islands employers paid the most in broker commissions?
Limetree Bay Terminals, LLC reported the most in 2024, $136,857, followed by Naylor, LLC ($114,599) and DTR Holdings, LLC ($99,347).
Which brokers and carriers dominate U.S. Virgin Islands?
By reported compensation, the largest brokers are Mercer, IMA Financial, Baker Magras & Associates. By medical premium, the largest carriers are Elan, MCS Life Insurance Company, Unitedhealthcare Insurance Company.
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