Alameda, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
42 employers in Alameda, California filed health plans with 100 or more participants for plan year 2024, covering 57,821 participants. They reported $29M in insurance premiums and $5.1M in broker commissions and fees. Against 2023, premiums were down 5.2% and broker pay rose 8.5%.
Funding: 4 fully insured · 4 self-funded · 34 mixed. 38 of 42 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Alameda
Alameda employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
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 Alameda employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Relation Insurance | $711,911 | 1 |
| EPIC Insurance Brokers | $639,383 | 4 |
| Sequoia | $597,950 | 5 |
| Abd Ins. and Financial SVCS., Inc. | $590,635 | 3 |
| Muhammad Ali | $395,738 | 1 |
| Gallagher | $274,099 | 2 |
| Heffernan | $247,024 | 3 |
| Woodruff Sawyer | $188,950 | 2 |
| Mark Anderson | $163,961 | 1 |
| Lockton | $156,675 | 1 |
Largest medical carriers
Medical premium written for these employers.
Alameda against California 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.
| Alameda | California | United States | |
|---|---|---|---|
| Employer plans | 42 | 6,836 | 58,547 |
| Median commission rate | n/a | 4.0% | 3.8% |
| Middle half of rates | n/a | 0.6% – 6.3% | 2.7% – 5.0% |
| Median broker pay per employer | $92,692 | $104,298 | $72,628 |
| Medical premium per covered person | n/a | $6,689 | $7,274 |
| Plans reporting no commission | 1 | 25 | 933 |
Year over year. In plan year 2023, 40 Alameda employers reported $31M in premiums and $4.7M in broker pay for 56,224 participants; in 2024 it was $29M and $5.1M for 57,821 participants (premiums −5.2%, broker pay +8.5%).
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 Alameda employers pay health insurance brokers?
42 Alameda employers reported $5,133,820 in broker commissions and fees on their 2024 Form 5500 filings, 36 of them disclosing at least some compensation. Too few fully insured medical plans in Alameda reported premium to compute a stable commission rate; the California median is 4.0% and the U.S. median is 3.8%. In dollars, the median Alameda employer that disclosed broker pay reported $92,692.
Which Alameda employers have the largest health plans?
By insurance premium reported for 2024, Board of Trustees, Operating Engineers Health ($16M), Board of Trustees, Pensioned Operating Engineers ($7.7M), Board of Trustees, Hawaii Health & Welfare Trust Fund ($3.3M) lead. 25 Alameda employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Alameda?
By compensation reported by Alameda employers, the largest brokers are Relation Insurance ($711,911, 1 plans), EPIC Insurance Brokers ($639,383, 4 plans), Sequoia ($597,950, 5 plans). By medical premium, the largest carriers are HMSA, Kaiser Foundation Health Plan, Inc., Cigna Health and Life Insurance Company.
Are Alameda employer health plans self-funded or fully insured?
Of 42 Alameda employer plans, 4 are fully insured, 4 are self-funded and 34 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 California
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