Garden Grove, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
17 employers in Garden Grove, California filed health plans with 100 or more participants for plan year 2024, covering 4,280 participants. They reported $13M in insurance premiums and $2.0M in broker commissions and fees. Against 2023, premiums were up 12.8% and broker pay rose 6.1%.
Funding: 8 fully insured · 3 self-funded · 6 mixed. 9 of 17 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Garden Grove
Garden Grove employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Southland Industries, Inc. | $13,193,609 | $721,398 | 944 | Lockton |
| Toyota Place | $0 | $211,665 | 458 | French & Cormany Insurance SVC |
| Aaron Thomas Company | $0 | $228,975 | 400 | Alera Group Inc |
| House Foods America Corporation | $0 | $183,478 | 329 | Marsh McLennan Agency |
| Garden Grove Police Association | $0 | — | 317 | — |
| CTS Cement Manufacturing Corporation | $0 | $175,965 | 246 | Digital Benefit Advisors |
| Titanium Healthcare | $0 | $75,408 | 214 | The Baldwin Group |
| Video Voice Data Communications | $0 | $105,282 | 203 | NTH Insurance Agency |
| Catalina Cylinders, Inc. | $0 | $4,548 | 187 | Selman & Company, LLC |
| Amvets Department of California Service Foundation | $0 | $14,387 | 166 | The Baldwin Group |
| Boys & Girls Clubs of Garden Grove, Inc. | $0 | $40,971 | 142 | HUB International |
| Community Action Partnership of Orange County | $0 | $65,234 | 124 | USI Insurance Services |
| King Shock Technology, Inc. | $0 | $27,820 | 123 | USI Insurance Services |
| Goodwin Ammonia Company | $0 | $13,302 | 119 | Poms & Associates, Inc. Brokers |
| Advanced Physicians Management, Inc. | $0 | $53,855 | 106 | OneDigital |
| Mastroianni Family Enterprises LTD | $0 | $43,372 | 102 | OneDigital |
| AAA Oil, Inc. | $0 | $49,387 | 100 | Patriot Growth |
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 Garden Grove employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Lockton | $721,063 | 1 |
| Marsh McLennan Agency | $183,478 | 1 |
| Digital Benefit Advisors | $148,600 | 1 |
| Alera Group, Inc. | $140,699 | 1 |
| French & Cormany Insurance SVC | $137,589 | 1 |
| OneDigital | $116,144 | 3 |
| USI Insurance Services | $90,710 | 2 |
| NTH Insurance Agency | $79,571 | 1 |
| The Baldwin Group | $61,122 | 2 |
| Amwins Connect Insurance Services | $54,862 | 1 |
Largest medical carriers
Medical premium written for these employers.
Garden Grove 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.
| Garden Grove | California | United States | |
|---|---|---|---|
| Employer plans | 17 | 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 | $59,545 | $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, 15 Garden Grove employers reported $12M in premiums and $1.9M in broker pay for 3,618 participants; in 2024 it was $13M and $2.0M for 4,280 participants (premiums +12.8%, broker pay +6.1%).
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 Garden Grove employers pay health insurance brokers?
17 Garden Grove employers reported $2,015,047 in broker commissions and fees on their 2024 Form 5500 filings, 16 of them disclosing at least some compensation. Too few fully insured medical plans in Garden Grove 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 Garden Grove employer that disclosed broker pay reported $59,545.
Which Garden Grove employers have the largest health plans?
By insurance premium reported for 2024, Southland Industries, Inc. ($13M), Toyota Place ($0), Aaron Thomas Company ($0) lead. 17 Garden Grove employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Garden Grove?
By compensation reported by Garden Grove employers, the largest brokers are Lockton ($721,063, 1 plans), Marsh McLennan Agency ($183,478, 1 plans), Digital Benefit Advisors ($148,600, 1 plans). By medical premium, the largest carriers are Cigna Health and Life Insurance Company, Anthem Blue Cross Life and Health Insurance Company, Health Net.
Are Garden Grove employer health plans self-funded or fully insured?
Of 17 Garden Grove employer plans, 8 are fully insured, 3 are self-funded and 6 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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