La Jolla, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
26 employers in La Jolla, California filed health plans with 100 or more participants for plan year 2024, covering 17,546 participants. They reported $1.9M in insurance premiums and $3.2M in broker commissions and fees. Against 2023, premiums were down 35.8% and broker pay fell 18.7%.
Funding: 6 fully insured · 1 self-funded · 19 mixed. 20 of 26 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in La Jolla
La Jolla employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Cybereason, Inc | $1,725,777 | $47,982 | 121 | Brown & Brown |
| The Scripps Research Institute | $132,260 | $155,101 | 1,582 | Marsh McLennan Agency |
| La Jolla Country Club | $27,895 | $53,804 | 103 | Marsh McLennan Agency |
| Thekey, LLC | $0 | $303,667 | 6,308 | Lockton |
| Mobileone, LLC | $0 | $173,715 | 1,246 | HUB International |
| Scripps Clinic Medical Group, Inc. | $0 | $192,521 | 973 | Gallagher |
| Salk Institute for Biological Studies | $0 | $24,608 | 907 | Marsh McLennan Agency |
| JC Resorts LLC | $0 | $48,475 | 821 | HUB International |
| Technical Safety Services | $0 | $249,873 | 674 | Lockton |
| Stepstone Group, LP | $0 | $121,116 | 674 | HUB International |
| Sanford Burnham Prebys Medical Discovery Institute | $0 | $10,775 | 496 | Lockton |
| Elevation Entertainment Group | $0 | $97,407 | 439 | Marsh McLennan Agency |
| Westmont Living, Inc. | $0 | $185,978 | 422 | Lockton |
| Tyson & Mendes LLP | $0 | $230,907 | 382 | Lockton |
| La Jolla Institute for Immunology | $0 | $33,027 | 345 | Marsh McLennan Agency |
| Altium LLC | $0 | $388,190 | 325 | HUB International |
| La Jolla Country Day School | $0 | $124,502 | 234 | Alliant Insurance Services |
| Balboa Nephrology Medical Group, Inc. | $0 | $29,155 | 209 | Lockton |
| The Bishop's School | $0 | $111,608 | 208 | IMA Financial |
| Boffo Cinemas LLC dba the Lot | $0 | $32,735 | 190 | CMR Risk & Insurance Services, Inc |
| Calprivate Bank | $0 | $178,065 | 188 | Burnham Benefits |
| La Jolla Beach & Tennis Club, Inc. | $0 | $131,667 | 178 | Teague Financial Insurance Services |
| Western States Asset Management, Inc. | $0 | $28,682 | 162 | HUB International |
| Brandes Investment Partners, LP | $0 | $197,309 | 142 | Gallagher |
| Ignite Visibility, LLC | $0 | $33,972 | 111 | Virtus, LLC. |
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 La Jolla employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Lockton | $905,967 | 8 |
| HUB International | $734,761 | 5 |
| Marsh McLennan Agency | $468,619 | 8 |
| Gallagher | $430,058 | 4 |
| Burnham Benefits | $135,938 | 1 |
| Alliant Insurance Services | $126,316 | 2 |
| Teague Financial Insurance Services | $126,028 | 1 |
| IMA Financial | $106,255 | 1 |
| Brown & Brown | $34,328 | 1 |
| The Baldwin Group | $33,277 | 1 |
Largest medical carriers
Medical premium written for these employers.
La Jolla 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.
| La Jolla | California | United States | |
|---|---|---|---|
| Employer plans | 26 | 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 | $116,362 | $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, 25 La Jolla employers reported $2.9M in premiums and $4.0M in broker pay for 19,532 participants; in 2024 it was $1.9M and $3.2M for 17,546 participants (premiums −35.8%, broker pay −18.7%).
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 La Jolla employers pay health insurance brokers?
26 La Jolla employers reported $3,227,090 in broker commissions and fees on their 2024 Form 5500 filings, 26 of them disclosing at least some compensation. Too few fully insured medical plans in La Jolla 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 La Jolla employer that disclosed broker pay reported $116,362.
Which La Jolla employers have the largest health plans?
By insurance premium reported for 2024, Cybereason, Inc ($1.7M), The Scripps Research Institute ($132,260), La Jolla Country Club ($27,895) lead. 25 La Jolla employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in La Jolla?
By compensation reported by La Jolla employers, the largest brokers are Lockton ($905,967, 8 plans), HUB International ($734,761, 5 plans), Marsh McLennan Agency ($468,619, 8 plans). By medical premium, the largest carriers are Blue Cross Blue Shield of Massachusetts, Inc., Kaiser Foundation Health Plan, Inc., Anthem Blue Cross Life and Health Insurance Company.
Are La Jolla employer health plans self-funded or fully insured?
Of 26 La Jolla employer plans, 6 are fully insured, 1 are self-funded and 19 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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