Fullerton, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
19 employers in Fullerton, California filed health plans with 100 or more participants for plan year 2024, covering 5,216 participants. They reported $0 in insurance premiums and $2.4M in broker commissions and fees. Against 2023, premiums were unchanged and broker pay rose 14.8%.
Funding: 6 fully insured · 2 self-funded · 11 mixed. 13 of 19 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Fullerton
Fullerton employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Avocado Green Brands, LLC | $0 | $36,002 | 518 | Mercer |
| Pulmuone Foods USA, Inc. | $0 | $290,658 | 464 | HUB International |
| Vista Paint Corporation | $0 | $226,162 | 462 | Acrisure |
| Florence Crittenton Services of Orange County | $0 | $59,817 | 454 | The Boon Insurance Agency |
| Professional Plastics, Inc. | $0 | $249,723 | 400 | Sullivan Curtis Monroe Ins. SVCS. |
| A. J. Kirkwood & Associates, Inc. | $0 | $27,439 | 329 | MDX Financial Services |
| Hydraflow | $0 | $275,115 | 311 | Patriot Growth |
| Loewy Enterprises | $0 | $113,716 | 244 | Benefits Alliance Insurance SVCS. |
| Luberski Inc. | $0 | $154,800 | 244 | Orion Risk Management |
| Marshall B. Ketchum University | $0 | $135,794 | 227 | Gallagher |
| North American Video Corporation | $0 | $13,340 | 214 | Marsh McLennan Agency |
| Total Transportation & Distribution Inc. | $0 | $139,488 | 209 | Acrisure |
| Houdini Inc. | $0 | $113,693 | 206 | Jones Halder and Associates |
| McKenna Labs, Inc. | $0 | $81,609 | 203 | NFP |
| Sasco | $0 | $183,175 | 168 | USI Insurance Services |
| Pete's Road Service,inc. | $0 | $77,971 | 153 | The Baldwin Group |
| C & L Refrigeration | $0 | $105,010 | 145 | Marsh McLennan Agency |
| Therapy for Kids Inc dba Gallagher Pediatric Thera | $0 | $68,771 | 141 | One Benefit Source |
| Hope International University | $0 | $60,996 | 124 | The Cutler Group |
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 Fullerton employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| HUB International | $290,658 | 1 |
| Sullivan Curtis Monroe Ins. SVCS. | $249,723 | 1 |
| Acrisure | $244,642 | 2 |
| Patriot Growth | $207,581 | 2 |
| Gallagher | $189,466 | 2 |
| USI Insurance Services | $183,175 | 1 |
| Marsh McLennan Agency | $118,350 | 2 |
| Jones Halder and Associates | $113,693 | 1 |
| Orion Risk Management Insurance | $107,481 | 1 |
| Benefits Alliance Insurance SVCS. | $93,087 | 1 |
Largest medical carriers
Medical premium written for these employers.
Fullerton 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.
| Fullerton | 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 | $113,693 | $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, 16 Fullerton employers reported $0 in premiums and $2.1M in broker pay for 4,751 participants; in 2024 it was $0 and $2.4M for 5,216 participants (broker pay +14.8%).
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 Fullerton employers pay health insurance brokers?
19 Fullerton employers reported $2,413,279 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 Fullerton 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 Fullerton employer that disclosed broker pay reported $113,693.
Which Fullerton employers have the largest health plans?
By insurance premium reported for 2024, Avocado Green Brands, LLC ($0), Pulmuone Foods USA, Inc. ($0), Vista Paint Corporation ($0) lead. 19 Fullerton employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Fullerton?
By compensation reported by Fullerton employers, the largest brokers are HUB International ($290,658, 1 plans), Sullivan Curtis Monroe Ins. SVCS. ($249,723, 1 plans), Acrisure ($244,642, 2 plans). By medical premium, the largest carriers are Unitedhealthcare Insurance Company, Simnsa, Blue Cross of California.
Are Fullerton employer health plans self-funded or fully insured?
Of 19 Fullerton employer plans, 6 are fully insured, 2 are self-funded and 11 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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