Carlsbad, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
69 employers in Carlsbad, California filed health plans with 100 or more participants for plan year 2024, covering 52,337 participants. They reported $611,339 in insurance premiums and $11M in broker commissions and fees. Against 2023, premiums were down 94.1% and broker pay rose 9.4%.
Funding: 16 fully insured · 9 self-funded · 44 mixed. 53 of 69 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Carlsbad
Carlsbad employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Nice North America LLC | $331,259 | $15,118 | 505 | The Ultimate Software Group |
| Breg, Inc. | $186,377 | $81,034 | 572 | Alliant Insurance Services |
| Natural Alternatives International, Inc. | $93,703 | $121,698 | 223 | HUB International |
| Topgolf Callaway Brands Corp | $0 | $425,508 | 12,295 | Lockton |
| 24 Hour Fitness USA, LLC. | $0 | $155,264 | 7,232 | Lockton |
| Viasat, Inc. | $0 | $420,921 | 4,514 | Strategic Non-Medical Solutions |
| Bergelectric, Corp. | $0 | $927,138 | 2,012 | Lockton |
| Sweetwater Care Resources, LLC | $0 | $351,052 | 1,917 | Lockton |
| Continuing Life LLC | $0 | $550,806 | 1,656 | Gallagher |
| Fluidra North America, LLC | $0 | $581,255 | 1,148 | HUB International |
| Gemological Institute of America, Inc. | $0 | $122,171 | 1,118 | HUB International |
| North Coast Medical Supply LLC | $0 | $455,573 | 947 | USI Insurance Services |
| RQ Construction, LLC | $0 | $525,802 | 926 | HUB International |
| Ionis Pharmaceuticals, Inc. | $0 | $426,506 | 887 | HUB International |
| Abbotswood at Irving Park | $0 | $55,556 | 834 | Marsh McLennan Agency |
| Taylor Made Golf Company, Inc. | $0 | $9,801 | 829 | Mercer |
| Grand Pacific Resorts | $0 | $334,279 | 826 | HUB International |
| Vuori, Inc. | $0 | $564,246 | 813 | Sequoia |
| HM Electronics, Inc. | $0 | $22,157 | 752 | Gallagher |
| West Harbor Healthcare LLC | $0 | $183,630 | 717 | Professional Group Plans Inc |
| Alphatec Spine, Inc. | $0 | $497,593 | 668 | HUB International |
| Florexpo, LLC | $0 | $48,480 | 638 | Marsh McLennan Agency |
| Two Jinn, Inc. | $0 | $152,046 | 579 | Lockton |
| Oceanside Auto Country, Inc. | $0 | $60,668 | 533 | EPIC Insurance Brokers |
| Rubio's Restaurant Group LLC | $0 | $129,030 | 425 | Mercer |
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 Carlsbad employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| HUB International | $3,002,632 | 17 |
| Lockton | $2,158,778 | 7 |
| Marsh McLennan Agency | $1,552,062 | 20 |
| Gallagher | $577,228 | 3 |
| USI Insurance Services | $513,796 | 2 |
| Sequoia | $391,263 | 1 |
| Mercer | $314,201 | 4 |
| Pension & Benefit Insurance Service | $309,361 | 1 |
| Strategic Non-Medical Solution | $287,211 | 1 |
| Alliant Insurance Services | $286,243 | 4 |
Largest medical carriers
Medical premium written for these employers.
Carlsbad 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.
| Carlsbad | California | United States | |
|---|---|---|---|
| Employer plans | 69 | 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 | $92,881 | $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, 64 Carlsbad employers reported $10M in premiums and $10M in broker pay for 43,134 participants; in 2024 it was $611,339 and $11M for 52,337 participants (premiums −94.1%, broker pay +9.4%).
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 Carlsbad employers pay health insurance brokers?
69 Carlsbad employers reported $11,434,932 in broker commissions and fees on their 2024 Form 5500 filings, 69 of them disclosing at least some compensation. Too few fully insured medical plans in Carlsbad 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 Carlsbad employer that disclosed broker pay reported $92,881.
Which Carlsbad employers have the largest health plans?
By insurance premium reported for 2024, Nice North America LLC ($331,259), Breg, Inc. ($186,377), Natural Alternatives International, Inc. ($93,703) lead. 25 Carlsbad employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Carlsbad?
By compensation reported by Carlsbad employers, the largest brokers are HUB International ($3.0M, 17 plans), Lockton ($2.2M, 7 plans), Marsh McLennan Agency ($1.6M, 20 plans). By medical premium, the largest carriers are Kaiser Foundation Health Plan, Inc., California Physicians Service, University Health Alliance.
Are Carlsbad employer health plans self-funded or fully insured?
Of 69 Carlsbad employer plans, 16 are fully insured, 9 are self-funded and 44 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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