Livermore, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
19 employers in Livermore, California filed health plans with 100 or more participants for plan year 2024, covering 25,503 participants. They reported $17M in insurance premiums and $2.3M in broker commissions and fees. Against 2023, premiums were up 9.1% and broker pay fell 7.0%.
Funding: 2 fully insured · 2 self-funded · 15 mixed. 17 of 19 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Livermore
Livermore employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Formfactor, Inc. | $11,016,535 | $85,874 | 1,481 | Mercer |
| Stanford Health Care - Tri-Valley | $2,985,378 | $73,280 | 1,910 | Aon |
| Lawrence Livermore National Security LLC | $2,778,386 | $99,669 | 9,403 | Custom Benefit Programs |
| Board of Trustees Sheet Metal Workers Local 104 Health Care Plan | $0 | — | 5,892 | — |
| Associated Builders and Contractors Northern California Chapter | $0 | — | 1,439 | — |
| McGrath Rentcorp | $0 | $227,118 | 1,164 | Mercer |
| Norcal Ambulance Aka Northstar Emergency Services Inc. | $0 | $125,680 | 1,011 | Marsh McLennan Agency |
| Fremont Bancorporation | $0 | $459,983 | 758 | EPIC Insurance Brokers |
| Homesite Services, Inc. | $0 | $133,002 | 488 | EPIC Insurance Brokers |
| Gillig LLC | $0 | $209,187 | 386 | Intrinsic Solutions Insurance |
| Zimeno Inc. | $0 | $248,518 | 268 | Marsh McLennan Agency |
| Livermore Automotive Group, Inc. | $0 | $81,744 | 213 | Alliant Insurance Services |
| MCH Electric, Inc. | $0 | $92,960 | 209 | The Liberty Co Ins Broker, LLC |
| Kier & Wright Civil Engineers & Surveyors, Inc. | $0 | $72,101 | 164 | AssuredPartners |
| Wente Vineyards | $0 | $2,042 | 158 | Acrisure |
| Mancini's Sleepworld | $0 | $76,917 | 153 | Lockton |
| Ghai Management Services, Inc. | $0 | $54,777 | 136 | Gaurav Sethi |
| TWM Industries | $0 | $40,374 | 136 | Lumix Insurance Agency Inc |
| Mountain Cascade Inc. | $0 | $184,320 | 134 | MDX Financial Services |
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 Livermore employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| EPIC Insurance Brokers | $572,836 | 2 |
| Marsh McLennan Agency | $351,911 | 4 |
| Mercer | $305,577 | 3 |
| MDX Financial Services | $164,023 | 1 |
| Intrinsic Solutions Insurance | $159,480 | 1 |
| Lockton | $76,917 | 1 |
| Warner Pacific Ins. Services, Inc. | $66,413 | 3 |
| Aon | $63,515 | 2 |
| Custom Benefit Programs Inc | $63,194 | 1 |
| Alliant Insurance Services | $60,721 | 1 |
Largest medical carriers
Medical premium written for these employers.
Livermore 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.
| Livermore | California | United States | |
|---|---|---|---|
| Employer plans | 19 | 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 | $92,960 | $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, 20 Livermore employers reported $15M in premiums and $2.4M in broker pay for 24,393 participants; in 2024 it was $17M and $2.3M for 25,503 participants (premiums +9.1%, broker pay −7.0%).
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 Livermore employers pay health insurance brokers?
19 Livermore employers reported $2,267,546 in broker commissions and fees on their 2024 Form 5500 filings, 17 of them disclosing at least some compensation. Too few fully insured medical plans in Livermore 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 Livermore employer that disclosed broker pay reported $92,960.
Which Livermore employers have the largest health plans?
By insurance premium reported for 2024, Formfactor, Inc. ($11M), Stanford Health Care - Tri-Valley ($3.0M), Lawrence Livermore National Security LLC ($2.8M) lead. 19 Livermore employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Livermore?
By compensation reported by Livermore employers, the largest brokers are EPIC Insurance Brokers ($572,836, 2 plans), Marsh McLennan Agency ($351,911, 4 plans), Mercer ($305,577, 3 plans). By medical premium, the largest carriers are Cigna Health and Life Insurance Company, California Physicians Service, Kaiser Foundation Health Plan, Inc..
Are Livermore employer health plans self-funded or fully insured?
Of 19 Livermore employer plans, 2 are fully insured, 2 are self-funded and 15 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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