Hayward, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
38 employers in Hayward, California filed health plans with 100 or more participants for plan year 2024, covering 13,634 participants. They reported $13M in insurance premiums and $5.1M in broker commissions and fees. Against 2023, premiums were up 0.5% and broker pay rose 9.1%.
Funding: 12 fully insured · 1 self-funded · 25 mixed. 26 of 38 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Hayward
Hayward employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Ultra Clean Technology, Inc. | $13,191,836 | $56,683 | 1,820 | Woodruff Sawyer |
| Mygrant Glass | $0 | $244 | 1,744 | OneDigital |
| Eos IT Management Solutions | $0 | $467,695 | 817 | Melita-Mcdonald Insurance Services |
| Pentagon Technologies Group, Inc. | $0 | $268,844 | 729 | Alliant Insurance Services |
| Heat and Control, Inc. | $0 | $23,222 | 707 | EPIC Insurance Brokers |
| Arcus Biosciences, Inc. | $0 | $455,611 | 568 | Marsh McLennan Agency |
| Hayward Sisters Hospital, a California Nonprofit Corporation | $0 | $83,364 | 531 | Various - See Attached |
| Eden Housing, Inc. | $0 | $290,084 | 502 | Willis Towers Watson |
| Sugar Bowl Bakery | $0 | $161,560 | 466 | EPIC Insurance Brokers |
| Jon K. Takata Corporation Restoration Management Company | $0 | $206,400 | 464 | EPIC Insurance Brokers |
| Pacific Cheese Co., Inc. | $0 | $146,648 | 329 | Filice Insurance Services LLC |
| Therm-X of California, Inc. | $0 | $144,203 | 321 | EPIC Insurance Brokers |
| Truepill, Inc. | $0 | $313,806 | 301 | Filice Insurance Agency |
| Alcal Industries, Inc. | $0 | $190,081 | 299 | Abd Ins. and Financial SVCS., Inc. |
| Reflexion Medical | $0 | $71,917 | 276 | Claremont Business Group, Inc |
| R.F. Macdonald Company | $0 | $147,361 | 275 | USI Insurance Services |
| Chawk Technology International Inc. | $0 | $138,928 | 250 | Filice Insurance Services, LLC |
| Norton Packaging, Inc. | $0 | $99,619 | 236 | Marsh McLennan Agency |
| Plastikon Healthcare | $0 | $45,011 | 223 | Brown & Brown |
| Wall to Wall, LLC | $0 | $151,503 | 210 | Alliant Insurance Services |
| MDC Precision, LLC | $0 | $128,422 | 191 | OneDigital |
| The Alliance for Community Wellness | $0 | $190,185 | 184 | Whiteboard Risk & Ins Solutions LLC |
| Lovazzano HVAC, Inc. | $0 | $108,598 | 173 | Acrisure |
| California Hydronics Corporation | $0 | $123,356 | 164 | PCF Insurance Services of the West |
| CGJ Inc dba Cal Motorsports Group | $0 | $48,642 | 161 | Marsh McLennan Agency |
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 Hayward employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Marsh McLennan Agency | $603,872 | 3 |
| EPIC Insurance Brokers | $535,385 | 4 |
| Melita-Mcdonald Insurance Services | $466,465 | 1 |
| Alliant Insurance Services | $449,792 | 3 |
| Filice Insurance Services LLC | $439,749 | 3 |
| Heffernan | $404,769 | 6 |
| Willis Towers Watson | $290,084 | 1 |
| Acrisure | $193,007 | 4 |
| Whiteboard Risk & Ins Solutions LLC | $178,863 | 1 |
| Abd Ins. and Financial SVCS., Inc. | $171,894 | 1 |
Largest medical carriers
Medical premium written for these employers.
Hayward 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.
| Hayward | California | United States | |
|---|---|---|---|
| Employer plans | 38 | 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 | $107,028 | $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, 41 Hayward employers reported $13M in premiums and $4.6M in broker pay for 14,185 participants; in 2024 it was $13M and $5.1M for 13,634 participants (premiums +0.5%, broker pay +9.1%).
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 Hayward employers pay health insurance brokers?
38 Hayward employers reported $5,070,766 in broker commissions and fees on their 2024 Form 5500 filings, 38 of them disclosing at least some compensation. Too few fully insured medical plans in Hayward 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 Hayward employer that disclosed broker pay reported $107,028.
Which Hayward employers have the largest health plans?
By insurance premium reported for 2024, Ultra Clean Technology, Inc. ($13M), Mygrant Glass ($0), Eos IT Management Solutions ($0) lead. 25 Hayward employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Hayward?
By compensation reported by Hayward employers, the largest brokers are Marsh McLennan Agency ($603,872, 3 plans), EPIC Insurance Brokers ($535,385, 4 plans), Melita-Mcdonald Insurance Services ($466,465, 1 plans). By medical premium, the largest carriers are Cigna Health and Life Insurance Company, Kaiser Foundation Health Plan of Georgia, Inc., Kaiser Foundation Health Plan, Inc..
Are Hayward employer health plans self-funded or fully insured?
Of 38 Hayward employer plans, 12 are fully insured, 1 are self-funded and 25 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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