Costa Mesa, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
44 employers in Costa Mesa, California filed health plans with 100 or more participants for plan year 2024, covering 39,665 participants. They reported $136,037 in insurance premiums and $4.9M in broker commissions and fees. Against 2023, premiums were up 91.6% and broker pay fell 13.8%.
Funding: 12 fully insured · 6 self-funded · 26 mixed. 32 of 44 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Costa Mesa
Costa Mesa employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Aspyr Holdings, LLC | $77,423 | $20,892 | 287 | Gibson Insurance Agency, Inc. |
| Toca Football, Inc. | $58,614 | $98,657 | 227 | The Baldwin Group |
| Automobile Club of So California | $0 | — | 13,464 | — |
| Experian Information Solutions, Inc. | $0 | $430,323 | 6,465 | Mercer |
| Anduril Industries Inc. | $0 | $32,704 | 3,796 | Willis Towers Watson |
| Ducommun Incorporated | $0 | $59,850 | 2,162 | HUB International |
| Toyo Tire Holdings of Americas Inc. | $0 | $179,424 | 1,567 | Lockton |
| Specialty Restaurants Corporation | $0 | $193,243 | 1,429 | Petra Pacific Insurance Service Inc |
| California Pizza Kitchen, Inc. | $0 | $20,968 | 796 | Mercer |
| Liberated Brands, LLC | $0 | $153,865 | 778 | The Baldwin Group |
| QSC Holdings, Inc. | $0 | $183,926 | 645 | Burnham Benefits |
| El Pollo Loco | $0 | $3,695 | 528 | EPIC Insurance Brokers |
| Griswold Industries | $0 | $160,988 | 504 | Sima Berner Reid |
| Lazy Dog Restaurants, LLC | $0 | $132,058 | 475 | Bolton & Company |
| Lazy Dog Family LLC | $0 | $132,058 | 475 | Bolton & Company |
| Travcorp USA, Inc. | $0 | $145,032 | 475 | Marsh McLennan Agency |
| Ayres Management, L.P. | $0 | $23,225 | 439 | Brandon Penko |
| Mother's Market & Kitchen Inc. | $0 | $70,593 | 352 | Sullivan Curtis Monroe Ins. SVCS. |
| Astro Pak Corporation | $0 | $278,358 | 321 | OneDigital |
| Amen Clinics, Inc. | $0 | $138,466 | 319 | Marsh McLennan Agency |
| Kings Seafood Company LLC | $0 | $67,812 | 310 | HUB International |
| Cal-Am Properties, Inc. | $0 | $14,156 | 293 | Gallagher |
| Insight Investments, Corp | $0 | $243,537 | 287 | Mercer |
| C.J. Segerstrom & Sons | $0 | $201,984 | 256 | Alliant Insurance Services |
| Far West Restaurant Group | $0 | $104,931 | 251 | HUB International |
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 Costa Mesa employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Mercer | $672,772 | 4 |
| The Baldwin Group | $620,245 | 5 |
| OneDigital | $432,380 | 4 |
| HUB International | $359,865 | 7 |
| Gallagher | $309,208 | 3 |
| Marsh McLennan Agency | $283,299 | 3 |
| Abd Ins. and Financial SVCS., Inc. | $241,511 | 2 |
| Alliant Insurance Services | $222,179 | 2 |
| Lockton | $170,926 | 1 |
| Petra Pacific Insurance Service Inc | $169,510 | 1 |
Largest medical carriers
Medical premium written for these employers.
Costa Mesa 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.
| Costa Mesa | California | United States | |
|---|---|---|---|
| Employer plans | 44 | 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 | $105,199 | $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, 46 Costa Mesa employers reported $70,986 in premiums and $5.7M in broker pay for 36,529 participants; in 2024 it was $136,037 and $4.9M for 39,665 participants (premiums +91.6%, broker pay −13.8%).
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 Costa Mesa employers pay health insurance brokers?
44 Costa Mesa employers reported $4,936,310 in broker commissions and fees on their 2024 Form 5500 filings, 43 of them disclosing at least some compensation. Too few fully insured medical plans in Costa Mesa 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 Costa Mesa employer that disclosed broker pay reported $105,199.
Which Costa Mesa employers have the largest health plans?
By insurance premium reported for 2024, Aspyr Holdings, LLC ($77,423), Toca Football, Inc. ($58,614), Automobile Club of So California ($0) lead. 25 Costa Mesa employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Costa Mesa?
By compensation reported by Costa Mesa employers, the largest brokers are Mercer ($672,772, 4 plans), The Baldwin Group ($620,245, 5 plans), OneDigital ($432,380, 4 plans). By medical premium, the largest carriers are Aetna Health of California Inc., Cigna Health and Life Insurance Company, Blue Cross of California.
Are Costa Mesa employer health plans self-funded or fully insured?
Of 44 Costa Mesa employer plans, 12 are fully insured, 6 are self-funded and 26 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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