Irvine, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
261 employers in Irvine, California filed health plans with 100 or more participants for plan year 2024, covering 467,256 participants. They reported $74M in insurance premiums and $57M in broker commissions and fees. Against 2023, premiums were down 18.7% and broker pay rose 6.9%.
Funding: 66 fully insured · 27 self-funded · 168 mixed. 195 of 261 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Irvine
Irvine employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Masimo | $13,810,443 | $789,828 | 1,401 | Centennial Group Benefits |
| Terran Orbital Corporation | $8,748,250 | $506,214 | 645 | Paychex Insurance Agency |
| Hitachi Solutions America, LTD. | $8,226,027 | $547,322 | 707 | Burnham Benefits |
| Alliant Insurance Services, Inc. | $7,767,993 | $1,161,055 | 6,897 | Alliant Insurance Services |
| Glovis America, Inc. | $6,153,762 | $365,443 | 1,325 | EPIC Insurance Brokers |
| Neudesic, LLC | $5,500,573 | $387,569 | 701 | Infinity Assurance Group |
| Western Growers Assurance Trust | $4,860,174 | $15,724 | 17,609 | Western Growers Insurance Services |
| Veritone, Inc. | $3,800,864 | $8,240 | 503 | Alliant Insurance Services |
| Home Franchise Concepts, LLC | $3,559,464 | $231,075 | 249 | Willis Towers Watson |
| TNHC Realty & Construction | $2,801,042 | $240,494 | 243 | EPIC Insurance Brokers |
| United Agribusiness League | $2,394,950 | $103,483 | 21,842 | Integrated Solutions for Benefits |
| Hyundai Capital America | $1,359,636 | $173,904 | 1,533 | Mercer |
| Hyundai Autoever America, LLC | $836,255 | $294,428 | 425 | Marsh McLennan Agency |
| International Education Corporation | $649,615 | $581,283 | 1,357 | The Baldwin Group |
| Cap Diagnostics, LLC dba Pathnostics | $637,034 | $110,340 | 223 | HUB International |
| Corelogic, Inc. | $518,500 | $174,916 | 3,821 | Willis Towers Watson |
| Synoptek, LLC | $512,700 | $199,558 | 396 | Gallagher |
| Onesmile, LLC | $311,993 | $309,757 | 6,321 | Custom Benefit Consultants, Inc. |
| Cybercoders, Inc. | $253,448 | $77,362 | 422 | Willis Towers Watson |
| Getac, Inc. | $245,240 | $64,765 | 177 | James R. Nelligan & Associates |
| Advanced Payroll Solutions, Inc. | $234,004 | $233,927 | 462 | HUB International |
| Arcadis, a California Partnership | $219,015 | $35,495 | 533 | Lovasco Consulting Group |
| Universal Services of America, LP | $163,988 | $447,325 | 171,556 | Lockton |
| Tungsten Automation Corporation | $93,961 | $600,125 | 545 | OneDigital |
| Westcliff Management Group | $74,443 | $149,128 | 269 | 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 Irvine employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Marsh McLennan Agency | $8,230,259 | 45 |
| Mercer | $4,854,586 | 20 |
| OneDigital | $4,169,756 | 24 |
| Alliant Insurance Services | $4,105,169 | 18 |
| Abd Ins. and Financial SVCS., Inc. | $2,594,946 | 8 |
| Willis Towers Watson | $2,469,655 | 12 |
| Lockton | $2,096,409 | 14 |
| HUB International | $2,069,830 | 21 |
| Gallagher | $2,015,544 | 13 |
| Burnham Benefits | $1,876,820 | 21 |
Largest medical carriers
Medical premium written for these employers.
Irvine 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.
| Irvine | California | United States | |
|---|---|---|---|
| Employer plans | 261 | 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 | $146,843 | $104,298 | $72,628 |
| Medical premium per covered person | n/a | $6,689 | $7,274 |
| Plans reporting no commission | 1 | 25 | 933 |
Year over year. In plan year 2023, 255 Irvine employers reported $91M in premiums and $54M in broker pay for 512,820 participants; in 2024 it was $74M and $57M for 467,256 participants (premiums −18.7%, broker pay +6.9%).
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 Irvine employers pay health insurance brokers?
261 Irvine employers reported $57,283,216 in broker commissions and fees on their 2024 Form 5500 filings, 253 of them disclosing at least some compensation. Too few fully insured medical plans in Irvine 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 Irvine employer that disclosed broker pay reported $146,843.
Which Irvine employers have the largest health plans?
By insurance premium reported for 2024, Masimo ($14M), Terran Orbital Corporation ($8.7M), Hitachi Solutions America, LTD. ($8.2M) lead. 25 Irvine employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Irvine?
By compensation reported by Irvine employers, the largest brokers are Marsh McLennan Agency ($8.2M, 45 plans), Mercer ($4.9M, 20 plans), OneDigital ($4.2M, 24 plans). By medical premium, the largest carriers are Cigna Health and Life Insurance Company, Blue Cross Blue Shield of Florida, Cigna Healthcare of California.
Are Irvine employer health plans self-funded or fully insured?
Of 261 Irvine employer plans, 66 are fully insured, 27 are self-funded and 168 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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