Fairfield, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
19 employers in Fairfield, California filed health plans with 100 or more participants for plan year 2024, covering 6,591 participants. They reported $0 in insurance premiums and $1.9M in broker commissions and fees. Against 2023, premiums were unchanged and broker pay rose 4.2%.
Funding: 6 fully insured · 1 self-funded · 12 mixed. 13 of 19 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Fairfield
Fairfield employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Northbay Health | $0 | $207,322 | 2,197 | Keenan & Associates |
| Westamerica Bancorporation | $0 | $162,666 | 639 | EPIC Insurance Brokers |
| Jelly Belly Candy Company | $0 | $129,570 | 548 | Marsh McLennan Agency |
| Calbee America, Inc. | $0 | $34,367 | 406 | Brown & Brown |
| Northern California Retired Officers Community | $0 | $92,375 | 373 | USI Insurance Services |
| Hanlees Dealership Group | $0 | $64,955 | 331 | USI Insurance Services |
| Medic Ambulance Service Inc | $0 | $215,274 | 265 | Tami Jo Schreiner |
| B.R. Funsten & Company | $0 | $107,694 | 235 | Verus Insurance Services, LLC |
| Saxco International, LLC | $0 | $61,341 | 195 | Mercer |
| East Bay Tire Co. | $0 | $145,612 | 195 | EPIC Insurance Brokers |
| Allied Exhaust Systems, Inc. | $0 | $117,407 | 180 | NFP |
| Macro Plastics, Incorporated | $0 | $23,556 | 173 | Marsh McLennan Agency |
| Courage Production | $0 | $107,319 | 136 | EPIC Insurance Brokers |
| Hopkins Auto Group | $0 | $83,108 | 134 | Abd Ins. and Financial SVCS., Inc. |
| Evolution Systems California LLC | $0 | $60,553 | 131 | Heffernan |
| Geovera Holdings, Inc. | $0 | $50,732 | 125 | USI Insurance Services |
| Maverick Enterprise, Inc. | $0 | $124,011 | 123 | Marsh McLennan Agency |
| Uci Constructon | $0 | $40,723 | 105 | Alliant Insurance Services |
| Community Housing Opportunities Corporation | $0 | $57,651 | 100 | Entente Administrators, LLC |
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 Fairfield employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| EPIC Insurance Brokers | $374,003 | 3 |
| Keenan & Associates | $206,866 | 1 |
| USI Insurance Services | $195,747 | 3 |
| Marsh McLennan Agency | $191,693 | 3 |
| Tami Jo Schreiner | $154,339 | 1 |
| Verus Insurance Services, LLC | $109,231 | 3 |
| NFP | $106,074 | 1 |
| Abd Ins. and Financial SVCS., Inc. | $81,708 | 1 |
| Mercer | $61,295 | 1 |
| Aon | $52,271 | 1 |
Largest medical carriers
Medical premium written for these employers.
Fairfield 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.
| Fairfield | California | United States | |
|---|---|---|---|
| Employer plans | 19 | 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 | $92,375 | $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, 18 Fairfield employers reported $0 in premiums and $1.8M in broker pay for 6,797 participants; in 2024 it was $0 and $1.9M for 6,591 participants (broker pay +4.2%).
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 Fairfield employers pay health insurance brokers?
19 Fairfield employers reported $1,886,236 in broker commissions and fees on their 2024 Form 5500 filings, 19 of them disclosing at least some compensation. Too few fully insured medical plans in Fairfield 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 Fairfield employer that disclosed broker pay reported $92,375.
Which Fairfield employers have the largest health plans?
By insurance premium reported for 2024, Northbay Health ($0), Westamerica Bancorporation ($0), Jelly Belly Candy Company ($0) lead. 19 Fairfield employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Fairfield?
By compensation reported by Fairfield employers, the largest brokers are EPIC Insurance Brokers ($374,003, 3 plans), Keenan & Associates ($206,866, 1 plans), USI Insurance Services ($195,747, 3 plans). By medical premium, the largest carriers are Kaiser Foundation Health Plan, Inc., Western Health Advantage, American National Life Insurance Company of Texas.
Are Fairfield employer health plans self-funded or fully insured?
Of 19 Fairfield employer plans, 6 are fully insured, 1 are self-funded and 12 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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