Escondido, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
18 employers in Escondido, California filed health plans with 100 or more participants for plan year 2024, covering 7,448 participants. They reported $0 in insurance premiums and $2.2M in broker commissions and fees. Against 2023, premiums were unchanged and broker pay fell 24.6%.
Funding: 4 fully insured · 1 self-funded · 13 mixed. 14 of 18 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Escondido
Escondido employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Envision Motors Management LLC | $0 | $333,906 | 1,319 | Alliant Insurance Services |
| Bayshire LLC | $0 | $154,558 | 1,217 | Professional Group Plans Inc |
| Neighborhood Healthcare | $0 | $161,260 | 1,148 | HUB International |
| Superior Ready Mix Concrete, L.P. | $0 | $18,884 | 630 | Elko Insurance Agency Inc |
| Sapporo-Stone Brewing Co. | $0 | $307,086 | 611 | Marsh McLennan Agency |
| The Classical Academy Inc. | $0 | $184,512 | 482 | Keenan & Associates |
| Toyota of Escondido | $0 | $32,010 | 308 | Benefitpro Insurance Services Inc |
| Blanchard Training & Development Inc. | $0 | $205,247 | 241 | OneDigital |
| Interfaith Community Services, Inc. | $0 | $123,745 | 230 | HUB International |
| Horizon Food Group, Inc. | $0 | $91,462 | 218 | Sequoia |
| The Elizabeth Hospice | $0 | $115,751 | 198 | Marsh McLennan Agency |
| Eleven Western Builders, Inc. | $0 | $68,209 | 154 | Marsh McLennan Agency |
| Ars National Services Inc. | $0 | $65,852 | 153 | Marsh McLennan Agency |
| Green Horizons Landscaping & Maintenance, Inc. | $0 | $13,593 | 111 | Gamie LLC |
| Kindersystems, Inc. | $0 | $75,551 | 109 | HUB International |
| Marathon General, Inc. | $0 | $69,900 | 107 | CMR Risk & Insurance Services, Inc. |
| Element Education | $0 | $66,112 | 106 | Marsh McLennan Agency |
| Freeberg Industrial, Inc. | $0 | $68,300 | 106 | Jcwib, Inc. |
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 Escondido employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Marsh McLennan Agency | $621,788 | 6 |
| HUB International | $452,507 | 4 |
| OneDigital | $205,247 | 1 |
| Alliant Insurance Services | $185,813 | 2 |
| Professional Group Plans, Inc. | $110,275 | 1 |
| Sequoia | $91,462 | 1 |
| Keenan & Associates | $69,869 | 1 |
| CMR Benefits Group Inc | $56,922 | 1 |
| Jcwib, Inc. | $55,867 | 1 |
| Voluntary Benefit Advisors | $54,890 | 1 |
Largest medical carriers
Medical premium written for these employers.
Escondido 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.
| Escondido | California | United States | |
|---|---|---|---|
| Employer plans | 18 | 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 | $83,507 | $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 Escondido employers reported $0 in premiums and $2.9M in broker pay for 8,584 participants; in 2024 it was $0 and $2.2M for 7,448 participants (broker pay −24.6%).
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 Escondido employers pay health insurance brokers?
18 Escondido employers reported $2,155,938 in broker commissions and fees on their 2024 Form 5500 filings, 18 of them disclosing at least some compensation. Too few fully insured medical plans in Escondido 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 Escondido employer that disclosed broker pay reported $83,507.
Which Escondido employers have the largest health plans?
By insurance premium reported for 2024, Envision Motors Management LLC ($0), Bayshire LLC ($0), Neighborhood Healthcare ($0) lead. 18 Escondido employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Escondido?
By compensation reported by Escondido employers, the largest brokers are Marsh McLennan Agency ($621,788, 6 plans), HUB International ($452,507, 4 plans), OneDigital ($205,247, 1 plans). By medical premium, the largest carriers are Mediexcel Health Plan, Sharp Health Plan, Aetna Life Insurance Company.
Are Escondido employer health plans self-funded or fully insured?
Of 18 Escondido employer plans, 4 are fully insured, 1 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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