Burlingame, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
18 employers in Burlingame, California filed health plans with 100 or more participants for plan year 2024, covering 7,799 participants. They reported $277,957 in insurance premiums and $2.7M in broker commissions and fees. Against 2023, premiums were up 72.8% and broker pay fell 1.6%.
Funding: 7 fully insured · 1 self-funded · 10 mixed. 11 of 18 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Burlingame
Burlingame employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Watchpoint Logistics, Inc. | $118,631 | $53,941 | 115 | Acrisure |
| 21st Century Home Health Services | $106,558 | $243,416 | 199 | Acrisure |
| School Apparel, Inc. | $52,768 | $17,008 | 229 | Abd Insurance & Financial Services |
| Lyra Clinical Associates P.C. | $0 | $20,492 | 1,282 | Aon |
| Lyra Health, Inc. | $0 | $156,362 | 1,178 | Aon |
| Wedriveu, Inc. | $0 | $165,812 | 1,071 | Lockton |
| Acumen, LLC | $0 | $333,445 | 765 | Heffernan |
| Putnam Automotive, Inc. | $0 | $49,290 | 491 | Lockton |
| Garratt-Callahan Company | $0 | $363,932 | 398 | Filice Insurance Agency |
| Guideline, Inc. | $0 | $311,318 | 376 | OneDigital |
| Environmental Chemical Corporation | $0 | $54,763 | 320 | Aon |
| Color Health, Inc. | $0 | $195,167 | 309 | Sequoia |
| Guittard Chocolate Company | $0 | $83,183 | 255 | Alliant Insurance Services |
| Lahlouh, Inc. | $0 | $67,031 | 216 | Progressive Benefit Group |
| Sycomp, a Technology Company, Inc. | $0 | $228,318 | 180 | Sequoia |
| Sage Eldercare Solutions | $0 | $62,135 | 144 | Acrisure |
| Neptune Medical, Inc | $0 | $170,339 | 141 | Carman and Fairbanks Ins Services |
| Starvista | $0 | $80,927 | 130 | Abd Ins. and Financial SVCS., 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 Burlingame employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Sequoia | $421,466 | 3 |
| Heffernan | $333,445 | 1 |
| Acrisure | $321,931 | 5 |
| Filice Insurance Services LLC | $288,265 | 2 |
| OneDigital | $277,221 | 1 |
| Aon | $231,047 | 3 |
| Lockton | $216,612 | 3 |
| Carman and Fairbanks Ins Services | $124,764 | 1 |
| Alliant Insurance Services | $83,183 | 1 |
| Abd Ins. and Financial SVCS., Inc. | $80,654 | 1 |
Largest medical carriers
Medical premium written for these employers.
Burlingame 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.
| Burlingame | California | United States | |
|---|---|---|---|
| Employer plans | 18 | 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 | $119,773 | $104,298 | $72,628 |
| Medical premium per covered person | n/a | $6,689 | $7,274 |
| Plans reporting no commission | 0 | 25 | 933 |
Year over year. In plan year 2023, 17 Burlingame employers reported $160,851 in premiums and $2.7M in broker pay for 7,847 participants; in 2024 it was $277,957 and $2.7M for 7,799 participants (premiums +72.8%, broker pay −1.6%).
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 Burlingame employers pay health insurance brokers?
18 Burlingame employers reported $2,656,879 in broker commissions and fees on their 2024 Form 5500 filings, 18 of them disclosing at least some compensation. Too few fully insured medical plans in Burlingame 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 Burlingame employer that disclosed broker pay reported $119,773.
Which Burlingame employers have the largest health plans?
By insurance premium reported for 2024, Watchpoint Logistics, Inc. ($118,631), 21st Century Home Health Services ($106,558), School Apparel, Inc. ($52,768) lead. 18 Burlingame employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Burlingame?
By compensation reported by Burlingame employers, the largest brokers are Sequoia ($421,466, 3 plans), Heffernan ($333,445, 1 plans), Acrisure ($321,931, 5 plans). By medical premium, the largest carriers are Anthem Blue Cross Life and Health Insurance Company, Kaiser Foundation Health Plan, Inc., Sutter Health Plan.
Are Burlingame employer health plans self-funded or fully insured?
Of 18 Burlingame employer plans, 7 are fully insured, 1 are self-funded and 10 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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