Carson, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
21 employers in Carson, California filed health plans with 100 or more participants for plan year 2024, covering 10,926 participants. They reported $10,578 in insurance premiums and $2.3M in broker commissions and fees. Against 2023, premiums were up 2.5% and broker pay fell 7.7%.
Funding: 4 fully insured · 4 self-funded · 13 mixed. 17 of 21 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Carson
Carson employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Puritan Bakery, Inc. | $10,578 | $181,447 | 328 | Heffernan |
| Lakeshore Learning Materials, LLC | $0 | $140,156 | 2,137 | Lockton |
| Bristol Farms, Inc | $0 | $116,089 | 1,516 | Verus Insurance Services, LLC |
| Mainfreight USA Partnership | $0 | $36,896 | 1,292 | Gallagher |
| Ampam Parks Mechanical, Inc. | $0 | $68,364 | 1,202 | Willis Towers Watson |
| KW International, Inc. | $0 | $28,419 | 599 | HUB International |
| Trophy Automotive Dealer Group LLC | $0 | $219,560 | 599 | Willis Towers Watson |
| Custom Goods, LLC | $0 | $188,125 | 531 | Lockton |
| Dermalogica, LLC | $0 | $352,648 | 498 | Burnham Benefits |
| Trademango Solutions US Inc. | $0 | $31,775 | 283 | RSC Insurance Brokerage |
| DMC Power, LLC | $0 | $38,209 | 262 | Ross & Yerger Insurance, Inc. |
| Arktura LLC | $0 | $95,521 | 235 | Burnham Benefits |
| MHX, LLC | $0 | $152,436 | 191 | Bryson Insurance Agency Inc |
| Cosway Company, Inc. | $0 | $174,770 | 179 | Mercer |
| Kellogg Supply, Inc. | $0 | $35,771 | 178 | OneDigital |
| Hankyu Hanshin Expree (USA) Inc | $0 | $133,174 | 177 | Sakura Insurance Agency Inc. |
| Dray Staff, Inc | $0 | $40,873 | 174 | HUB International |
| W8 Shipping, LLC | $0 | $14,256 | 160 | Boon Chapman Benefit Administrators |
| Southwind Foods, LLC | $0 | $91,313 | 136 | Marsh McLennan Agency |
| Roadex America, Inc. | $0 | $48,592 | 125 | RSC Insurance Brokerage, Inc. |
| Spektrum Brakes, LLC | $0 | $142,680 | 124 | Acrisure |
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 Carson employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Burnham Benefits | $440,163 | 2 |
| Lockton | $328,040 | 2 |
| Heffernan | $181,447 | 1 |
| Willis Towers Watson | $180,643 | 2 |
| Mercer | $174,209 | 1 |
| Bryson Insurance Agency Inc. | $143,364 | 1 |
| Sakura Insurance Agency Inc. | $133,175 | 1 |
| Verus Insurance Services, LLC | $106,783 | 1 |
| Marsh McLennan Agency | $91,371 | 2 |
| Acrisure | $88,273 | 1 |
Largest medical carriers
Medical premium written for these employers.
Carson 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.
| Carson | California | United States | |
|---|---|---|---|
| Employer plans | 21 | 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 | $95,521 | $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, 20 Carson employers reported $10,317 in premiums and $2.5M in broker pay for 9,949 participants; in 2024 it was $10,578 and $2.3M for 10,926 participants (premiums +2.5%, broker pay −7.7%).
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 Carson employers pay health insurance brokers?
21 Carson employers reported $2,331,074 in broker commissions and fees on their 2024 Form 5500 filings, 21 of them disclosing at least some compensation. Too few fully insured medical plans in Carson 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 Carson employer that disclosed broker pay reported $95,521.
Which Carson employers have the largest health plans?
By insurance premium reported for 2024, Puritan Bakery, Inc. ($10,578), Lakeshore Learning Materials, LLC ($0), Bristol Farms, Inc ($0) lead. 21 Carson employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Carson?
By compensation reported by Carson employers, the largest brokers are Burnham Benefits ($440,163, 2 plans), Lockton ($328,040, 2 plans), Heffernan ($181,447, 1 plans). By medical premium, the largest carriers are Hawaii Medical Service Association, Unitedhealthcare Insurance Company, Kaiser Foundation Health Plan, Inc..
Are Carson employer health plans self-funded or fully insured?
Of 21 Carson employer plans, 4 are fully insured, 4 are self-funded and 13 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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