Commerce, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
17 employers in Commerce, California filed health plans with 100 or more participants for plan year 2024, covering 15,040 participants. They reported $0 in insurance premiums and $4.0M in broker commissions and fees. Against 2023, premiums were unchanged and broker pay rose 34.5%.
Funding: 7 fully insured · 3 self-funded · 7 mixed. 10 of 17 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Commerce
Commerce employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Chedraui USA, Inc. | $0 | $532,315 | 6,602 | Gallagher |
| Porto's Bakery, Inc. | $0 | $104,249 | 1,477 | HUB International |
| California Commerce Club, Inc. | $0 | $546,095 | 1,377 | The Baldwin Group |
| Tci Transportation Services, Inc. | $0 | $166,646 | 1,311 | Brown & Brown |
| JWCH Institute, Inc. | $0 | $500,015 | 1,051 | IMA Financial |
| Fastener Distribution Holdings, LLC | $0 | $382,771 | 998 | Mercer |
| Ernest Packaging Solutions | $0 | $374,002 | 760 | Lockton |
| Oakhurst Industries, Inc. | $0 | $177,444 | 268 | AssuredPartners |
| Elkay Plastics Co., Inc. | $0 | $50,413 | 199 | Sullivan Curtis Monroe Ins. SVCS. |
| Gibson Overseas, Inc. | $0 | $114,901 | 155 | Nahai Bijan |
| Pcam, LLC | $0 | $60,582 | 145 | Dickerson Employee Benefits |
| Gold Coast Ingredients Inc | $0 | $891,232 | 145 | Ronald Snider |
| American International Industries | $0 | $35,809 | 121 | Mandelbaum Insurance Services |
| Show Me Your Mumu, LLC | $0 | $62,523 | 111 | USI Insurance Services |
| Pacific Spice Company Inc. | $0 | $37,978 | 109 | Sullivan Curtis Monroe Ins. SVCS. |
| Ink Systems, Inc. | $0 | $843 | 106 | IMA Financial |
| East West Proto, Inc. dba Lifeline Ambulance | $0 | $6,053 | 105 | McConkey Benefits & Financial SVCS |
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 Commerce employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Gallagher | $522,774 | 1 |
| The Baldwin Group | $510,427 | 1 |
| IMA Financial | $500,718 | 2 |
| Mercer | $382,771 | 1 |
| Lockton | $372,797 | 1 |
| AssuredPartners | $177,444 | 1 |
| Brown & Brown | $153,098 | 1 |
| Nahai Bijan | $110,873 | 1 |
| HUB International | $104,748 | 2 |
| Sullivan Curtis Monroe Ins. SVCS. | $74,673 | 2 |
Largest medical carriers
Medical premium written for these employers.
Commerce 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.
| Commerce | California | United States | |
|---|---|---|---|
| Employer plans | 17 | 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 | $114,901 | $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 Commerce employers reported $0 in premiums and $3.0M in broker pay for 14,891 participants; in 2024 it was $0 and $4.0M for 15,040 participants (broker pay +34.5%).
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 Commerce employers pay health insurance brokers?
17 Commerce employers reported $4,043,871 in broker commissions and fees on their 2024 Form 5500 filings, 17 of them disclosing at least some compensation. Too few fully insured medical plans in Commerce 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 Commerce employer that disclosed broker pay reported $114,901.
Which Commerce employers have the largest health plans?
By insurance premium reported for 2024, Chedraui USA, Inc. ($0), Porto's Bakery, Inc. ($0), California Commerce Club, Inc. ($0) lead. 17 Commerce employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Commerce?
By compensation reported by Commerce employers, the largest brokers are Gallagher ($522,774, 1 plans), The Baldwin Group ($510,427, 1 plans), IMA Financial ($500,718, 2 plans). By medical premium, the largest carriers are Blue Cross of California, Aetna Life Insurance Company, Aetna Health, Inc..
Are Commerce employer health plans self-funded or fully insured?
Of 17 Commerce employer plans, 7 are fully insured, 3 are self-funded and 7 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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