Fresno, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
89 employers in Fresno, California filed health plans with 100 or more participants for plan year 2024, covering 36,648 participants. They reported $2.9M in insurance premiums and $7.0M in broker commissions and fees. Against 2023, premiums were down 2.4% and broker pay rose 9.5%.
Funding: 16 fully insured · 26 self-funded · 47 mixed. 73 of 89 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Fresno
Fresno employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Community Hospitals of Central California | $1,181,116 | — | 8,751 | — |
| Inspire Health Medical Group | $630,503 | $324,250 | 580 | Lockton |
| Fresno Deputy Sheriffs Assoc., Inc. | $585,711 | $433,060 | 800 | Dibuduo & Defendis Ins Agency |
| Educational Employees Credit Union | $217,526 | $141,422 | 579 | EPIC Insurance Brokers |
| Producers Dairy Foods Inc. | $106,776 | $187,715 | 951 | PBT Insurance Services, LLC |
| Fresno County Credit Union | $84,962 | $25,157 | 195 | Alliant Insurance Services |
| Sun-Maid Growers of California | $76,686 | $274,296 | 342 | John L Wender Insurance Services |
| Kings View | $33,783 | $244,792 | 268 | Gallagher |
| The Nephrology Group, Inc. | $14,199 | $61,649 | 163 | Horstmann Financial Services |
| Olam Americas Inc | $0 | $396,888 | 2,004 | James A. Scott & Son, Inc. dba Scot |
| Healthcomp LLC | $0 | $164,292 | 1,254 | RSG Specialty, LLC |
| Fresno Police Officer Association | $0 | $9,251 | 1,224 | Dibuduo & Defendis |
| United Health Centers of the San Joaquin Valley | $0 | $139,352 | 899 | PBT Insurance Services |
| Sante Health System, Inc. | $0 | $95,863 | 803 | Relation Insurance |
| Fresno Economic Opportunities Commission | $0 | $7,344 | 766 | Alliant Insurance Services |
| Paragon Industries Inc | $0 | $160,637 | 752 | Dennis Lee Insurance Services Inc |
| KWPH Enterprises | $0 | $62,896 | 750 | HUB International |
| Donaghy Sales LLC | $0 | $1,259 | 666 | EPIC Insurance Brokers |
| Communication Workers of America Local 9408 | $0 | — | 616 | — |
| Scelzi Enterprises, Inc. | $0 | $153,909 | 546 | Dibuduo Defendis Ins Agency |
| Fresno Truck Center | $0 | $233,945 | 493 | Foundation Risk Partners, Corp |
| J & D Meat Company dba JD Food | $0 | $26,613 | 474 | HUB International |
| Fresno Pacific University | $0 | $29,541 | 431 | Relation Insurance |
| Charles Matoian Enterprises | $0 | $27,186 | 385 | HUB International |
| Fresno Firemen's Benefit and Relief Fund | $0 | — | 384 | — |
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 Fresno employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| HUB International | $909,652 | 19 |
| Dibuduo and Defendis Ins. Agency | $585,222 | 3 |
| Gallagher | $443,138 | 6 |
| Lockton | $323,893 | 1 |
| Burnham Benefits | $317,025 | 3 |
| Relation Insurance | $312,456 | 6 |
| Brown & Brown | $221,295 | 2 |
| James A. Scott & Son, Inc. dba Scot | $215,766 | 1 |
| EPIC Insurance Brokers | $197,132 | 5 |
| PBT Insurance Services, LLC | $190,701 | 3 |
Largest medical carriers
Medical premium written for these employers.
Fresno 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.
| Fresno | California | United States | |
|---|---|---|---|
| Employer plans | 89 | 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 | $67,007 | $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, 89 Fresno employers reported $3.0M in premiums and $6.4M in broker pay for 36,794 participants; in 2024 it was $2.9M and $7.0M for 36,648 participants (premiums −2.4%, broker pay +9.5%).
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 Fresno employers pay health insurance brokers?
89 Fresno employers reported $7,042,238 in broker commissions and fees on their 2024 Form 5500 filings, 83 of them disclosing at least some compensation. Too few fully insured medical plans in Fresno 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 Fresno employer that disclosed broker pay reported $67,007.
Which Fresno employers have the largest health plans?
By insurance premium reported for 2024, Community Hospitals of Central California ($1.2M), Inspire Health Medical Group ($630,503), Fresno Deputy Sheriffs Assoc., Inc. ($585,711) lead. 25 Fresno employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Fresno?
By compensation reported by Fresno employers, the largest brokers are HUB International ($909,652, 19 plans), Dibuduo and Defendis Ins. Agency ($585,222, 3 plans), Gallagher ($443,138, 6 plans). By medical premium, the largest carriers are Fidelity Security Life Insurance Company, Blue Shield of California, Kaiser Foundation Health Plan, Inc..
Are Fresno employer health plans self-funded or fully insured?
Of 89 Fresno employer plans, 16 are fully insured, 26 are self-funded and 47 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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