Folsom, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
22 employers in Folsom, California filed health plans with 100 or more participants for plan year 2024, covering 13,071 participants. They reported $8.5M in insurance premiums and $3.8M in broker commissions and fees. Against 2023, premiums were up 30.9% and broker pay rose 9.3%.
Funding: 7 fully insured · 1 self-funded · 14 mixed. 15 of 22 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Folsom
Folsom employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| California Independent System Operator | $8,547,915 | $26,577 | 839 | Filice Insurance Services, LLC |
| Fpi Management | $0 | $878,111 | 3,917 | Alliant Insurance Services |
| Powerschool Group LLC | $0 | $249,337 | 1,887 | Lockton |
| California Charter Schools Ewbt | $0 | $11,881 | 1,660 | Dickerson Employee Benefits |
| Safe Credit Union | $0 | $437,017 | 761 | USI Insurance Services |
| Allworth Financial | $0 | $68,502 | 489 | HUB International |
| Sierra Pacific Mortgage | $0 | $205,700 | 435 | HUB International |
| One, Inc. | $0 | $430,815 | 392 | Sequoia |
| Agreeya Solutions | $0 | $31,514 | 386 | EPIC Insurance Brokers |
| Green Acres Nursery & Supply, LLC | $0 | $89,813 | 301 | Mark Matsock |
| Folsom Lake Ford | $0 | $82,775 | 242 | Prospero Benf. Group and Ins. SVCS. |
| Benefit and Risk Management Services, Inc. | $0 | — | 240 | — |
| Tri Holdco, Inc. | $0 | $364,548 | 228 | HUB International |
| E.Republic, LLC | $0 | $172,393 | 210 | HUB International |
| Mountain G Enterprises, Inc | $0 | $109,222 | 201 | Graybill Insurance Agency |
| Mountain F Enterprises, Inc | $0 | $150,748 | 190 | Graybill Insurance Agency |
| Strauch Management LLC | $0 | $24,454 | 125 | USI Insurance Services |
| Cti Iii LLC | $0 | $74,859 | 120 | HUB International |
| Trimark Associates, Inc. | $0 | $131,784 | 115 | HUB International |
| Burger Rehabilitation Systems, Inc. | $0 | $37,849 | 112 | EPIC Insurance Brokers |
| Elliott Homes, Inc. | $0 | $73,341 | 111 | Gallagher |
| Dokken Engineering | $0 | $107,666 | 110 | Interwest Insurance Services, 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 Folsom employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Alliant Insurance Services | $869,377 | 1 |
| HUB International | $839,221 | 6 |
| Sequoia | $430,815 | 1 |
| USI Insurance Services | $382,780 | 3 |
| Lockton | $245,554 | 2 |
| Graybill Insurance Agency | $236,949 | 2 |
| Benefit Communications Inc | $86,769 | 1 |
| Prospero Benf. Group and Ins. SVCS. | $81,627 | 1 |
| Interwest Insurance Services, LLC | $70,176 | 1 |
| EPIC Insurance Brokers | $64,343 | 2 |
Largest medical carriers
Medical premium written for these employers.
Folsom 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.
| Folsom | California | United States | |
|---|---|---|---|
| Employer plans | 22 | 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 | $107,666 | $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, 22 Folsom employers reported $6.5M in premiums and $3.4M in broker pay for 13,076 participants; in 2024 it was $8.5M and $3.8M for 13,071 participants (premiums +30.9%, broker pay +9.3%).
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 Folsom employers pay health insurance brokers?
22 Folsom employers reported $3,758,906 in broker commissions and fees on their 2024 Form 5500 filings, 21 of them disclosing at least some compensation. Too few fully insured medical plans in Folsom 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 Folsom employer that disclosed broker pay reported $107,666.
Which Folsom employers have the largest health plans?
By insurance premium reported for 2024, California Independent System Operator ($8.5M), Fpi Management ($0), Powerschool Group LLC ($0) lead. 22 Folsom employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Folsom?
By compensation reported by Folsom employers, the largest brokers are Alliant Insurance Services ($869,377, 1 plans), HUB International ($839,221, 6 plans), Sequoia ($430,815, 1 plans). By medical premium, the largest carriers are Anthem Blue Cross Life and Health Insurance Company, California Choice, California Physicians Service.
Are Folsom employer health plans self-funded or fully insured?
Of 22 Folsom employer plans, 7 are fully insured, 1 are self-funded and 14 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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