Concord, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
33 employers in Concord, California filed health plans with 100 or more participants for plan year 2024, covering 44,243 participants. They reported $216,549 in insurance premiums and $4.5M in broker commissions and fees. Against 2023, premiums were down 82.3% and broker pay rose 7.0%.
Funding: 7 fully insured · 1 self-funded · 25 mixed. 26 of 33 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Concord
Concord employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Legacy Builders, Inc | $145,236 | $126,979 | 151 | EPIC Insurance Brokers |
| Bay Alarm Company | $71,313 | $15,846 | 1,111 | Sequoia |
| UFCW & Employers Benefit Trust | $0 | $12,108 | 25,895 | Img |
| Board of Trustees of Northern California Pipe Trades Health & Wel | $0 | $14,655 | 3,261 | Daniel Edward Cutright |
| Swinerton Incorporated and Affiliates | $0 | $186,330 | 2,695 | Abd Ins. and Financial SVCS., Inc. |
| Ucbt Retiree Health Plan | $0 | $86,798 | 1,731 | Interremedy Insurance Services, LLC |
| Carlton Senior Living, LLC | $0 | $312,196 | 985 | Woodruff Sawyer |
| Assetmark Financial Holdings, Inc. | $0 | $59,773 | 979 | Alliant Insurance Services |
| Pet Food Express, LLC | $0 | $209,884 | 777 | EPIC Insurance Brokers |
| Bay Equity, LLC | $0 | $434,803 | 750 | Abd Ins. and Financial SVCS., Inc. |
| Center for Social Dynamics Inc | $0 | $478,566 | 568 | Alliant Insurance Services |
| Board of Trustees Walgreen Co. & Local 648 Welfare Trust Fund | $0 | — | 501 | — |
| Athens Insurance Service, Inc. | $0 | $346,524 | 482 | EPIC Insurance Brokers |
| PNC Management, LLC | $0 | $339,846 | 427 | HUB International |
| Planned Parenthood Shasta-Diablo, Inc. | $0 | $139,582 | 390 | Marsh McLennan Agency |
| Chevron Federal Credit Union | $0 | $326,503 | 358 | Aon |
| Land Home Financial Services, Inc. | $0 | $22,592 | 324 | EPIC Insurance Brokers |
| Incloud LLC | $0 | $35,343 | 297 | Alliant Insurance Services |
| Pacific States Petroleum | $0 | $158,203 | 263 | Interwest Insurance Services, LLC |
| Harris & Associates | $0 | $268,203 | 238 | Ris Employee Benefits, Inc. |
| Cerus Corporation | $0 | $136,490 | 237 | USI Insurance Services |
| Lexus of Concord and Fremont Toyota | $0 | $75,869 | 216 | EPIC Insurance Brokers |
| Laughlin, Falbo, Levy & Moresi LLP | $0 | $162,593 | 216 | Lockton |
| Northern California UFCW Wholesale Welfa Health & Welfare Trust Fund | $0 | — | 215 | — |
| Pacific Service Credit Union | $0 | $19,853 | 196 | Lockton |
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 Concord employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| EPIC Insurance Brokers | $683,292 | 7 |
| Alliant Insurance Services | $614,051 | 4 |
| Abd Ins. and Financial SVCS., Inc. | $613,928 | 2 |
| HUB International | $339,846 | 1 |
| Woodruff Sawyer | $312,196 | 1 |
| Aon | $248,441 | 1 |
| Marsh McLennan Agency | $244,489 | 2 |
| Ris Employee Benefits, Inc. | $243,695 | 1 |
| Lockton | $182,446 | 2 |
| USI Insurance Services | $177,406 | 4 |
Largest medical carriers
Medical premium written for these employers.
Concord 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.
| Concord | California | United States | |
|---|---|---|---|
| Employer plans | 33 | 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 | $91,242 | $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, 33 Concord employers reported $1.2M in premiums and $4.2M in broker pay for 45,534 participants; in 2024 it was $216,549 and $4.5M for 44,243 participants (premiums −82.3%, broker pay +7.0%).
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 Concord employers pay health insurance brokers?
33 Concord employers reported $4,490,738 in broker commissions and fees on their 2024 Form 5500 filings, 31 of them disclosing at least some compensation. Too few fully insured medical plans in Concord 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 Concord employer that disclosed broker pay reported $91,242.
Which Concord employers have the largest health plans?
By insurance premium reported for 2024, Legacy Builders, Inc ($145,236), Bay Alarm Company ($71,313), UFCW & Employers Benefit Trust ($0) lead. 25 Concord employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Concord?
By compensation reported by Concord employers, the largest brokers are EPIC Insurance Brokers ($683,292, 7 plans), Alliant Insurance Services ($614,051, 4 plans), Abd Ins. and Financial SVCS., Inc. ($613,928, 2 plans). By medical premium, the largest carriers are Kaiser Foundation Health Plan, Inc., Sutter Health Plan, California Physicians Service.
Are Concord employer health plans self-funded or fully insured?
Of 33 Concord employer plans, 7 are fully insured, 1 are self-funded and 25 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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