Gardena, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
25 employers in Gardena, California filed health plans with 100 or more participants for plan year 2024, covering 9,248 participants. They reported $0 in insurance premiums and $2.8M in broker commissions and fees. Against 2023, premiums were unchanged and broker pay fell 7.8%.
Funding: 9 fully insured · 4 self-funded · 12 mixed. 16 of 25 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Gardena
Gardena employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Eurostar, Inc. | $0 | $270,280 | 1,299 | Mercer |
| El Dorado LF LLC | $0 | $61,211 | 889 | Gallagher |
| Nissin Foods USA Co., Inc. | $0 | $105,018 | 723 | IMA Financial |
| Tireco, Inc. | $0 | $280,927 | 665 | Nixon Benefits |
| Ruggable LLC | $0 | $188,651 | 607 | Gallagher |
| Global Paratransit, Inc. | $0 | $68,788 | 422 | Dove Benefits Insurance Services |
| Faraday and Future | $0 | $16,660 | 390 | Willis Towers Watson |
| World Wide Sourcing Group, Inc. | $0 | $79,368 | 377 | Gis Benefits Inc. |
| Behavioral Health Services Inc | $0 | $229,004 | 368 | Beaumarc Group Inc |
| Episource LLC | $0 | $254,786 | 348 | Burnham Benefits |
| Silverline Construction, Inc. | $0 | $36,182 | 343 | HUB International |
| True Religion Apparel, Inc. | $0 | $202,449 | 325 | The Baldwin Group |
| The Black Tux, LLC | $0 | $42,148 | 312 | Sequoia |
| Marukai Corporation | $0 | $171,691 | 285 | USI Insurance Services |
| Industrial Dynamics Company, LTD | $0 | $58,544 | 235 | Gallagher |
| Let's Do Lunch | $0 | $19,741 | 233 | Patriot Growth |
| Sit N Sleep, Inc. | $0 | $54,773 | 217 | Woodruff Sawyer |
| Barco Uniforms, Inc. | $0 | $96,819 | 191 | The Baldwin Group |
| Counseling and Research Associates, Inc, dba Masada Homes | $0 | $110,967 | 168 | Gallagher |
| Tessie Cleveland Community Service Corporation | $0 | $129,452 | 164 | Gallagher |
| Bay Cities Tin Shop Inc. | $0 | $81,611 | 153 | HUB International |
| Brek Manufacturing Company | $0 | $74,701 | 152 | Gallagher |
| Anvil Steel Corporation | $0 | $68,173 | 139 | NFP |
| Prime Wheel Corporation | $0 | $100,685 | 136 | Natalie Laufenberg |
| Dirty Hands, LLC | $0 | $12,378 | 107 | OneDigital |
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 Gardena employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Gallagher | $560,270 | 6 |
| Nixon Benefits | $280,927 | 1 |
| Burnham Benefits | $272,181 | 2 |
| Mercer | $266,504 | 1 |
| The Baldwin Group | $242,631 | 2 |
| Beaumarc Group Inc | $197,032 | 1 |
| USI Insurance Services | $156,223 | 1 |
| HUB International | $105,359 | 3 |
| IMA Financial | $104,391 | 1 |
| Natalie Laufenberg | $100,685 | 1 |
Largest medical carriers
Medical premium written for these employers.
Gardena 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.
| Gardena | California | United States | |
|---|---|---|---|
| Employer plans | 25 | 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 | $81,611 | $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, 26 Gardena employers reported $0 in premiums and $3.1M in broker pay for 9,036 participants; in 2024 it was $0 and $2.8M for 9,248 participants (broker pay −7.8%).
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 Gardena employers pay health insurance brokers?
25 Gardena employers reported $2,815,007 in broker commissions and fees on their 2024 Form 5500 filings, 25 of them disclosing at least some compensation. Too few fully insured medical plans in Gardena 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 Gardena employer that disclosed broker pay reported $81,611.
Which Gardena employers have the largest health plans?
By insurance premium reported for 2024, Eurostar, Inc. ($0), El Dorado LF LLC ($0), Nissin Foods USA Co., Inc. ($0) lead. 25 Gardena employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Gardena?
By compensation reported by Gardena employers, the largest brokers are Gallagher ($560,270, 6 plans), Nixon Benefits ($280,927, 1 plans), Burnham Benefits ($272,181, 2 plans). By medical premium, the largest carriers are Kaiser Foundation Health Plan, Inc., Health Net, California Physicians Service.
Are Gardena employer health plans self-funded or fully insured?
Of 25 Gardena employer plans, 9 are fully insured, 4 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
Is your company on this page? Get its Form 5500 read next to the Gardena, California medians.
Tell us the company and a specialist writes up what the public Form 5500 record shows for it, if it files one: broker pay against the medians above, fee disclosure and filing timeliness, in a form you can forward to your CFO or counsel. Tick the box if you also want a 15-minute walkthrough call.
We don't sell your email. By submitting, you agree that BenefitsLedger and its benefits advisory partner, WellthCare, may email or call you about these findings. Opt out anytime by replying. See our privacy policy.