Los Angeles, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
489 employers in Los Angeles, California filed health plans with 100 or more participants for plan year 2024, covering 481,732 participants. They reported $96M in insurance premiums and $83M in broker commissions and fees. Against 2023, premiums were up 20.9% and broker pay rose 7.8%.
Funding: 160 fully insured · 46 self-funded · 283 mixed. 329 of 489 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Los Angeles
Los Angeles employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Quinn Emanuel Urquhart & Sullivan, LLP | $23,134,909 | $1,352,569 | 1,371 | Alera Group, Inc. |
| Board of Trustees, Northwest Carpenters Health and Security Plan | $15,918,221 | $20,436 | 15,806 | Rael and Letson |
| Amity Foundation | $9,009,330 | $749,534 | 824 | Heffernan |
| Board of Trustees, Santa Monica UNITE Here Health | $6,864,836 | — | 16,430 | — |
| Nksfb, LLC | $6,491,928 | $544,618 | 627 | Higginbotham |
| CTBC Bank Corp. (USA) | $4,279,809 | $217,601 | 497 | Sandra L Kawano |
| Altamed Health Services Corp. | $3,738,649 | $865,465 | 4,923 | Acrisure |
| Munger Tolles & Olson | $3,064,911 | $483,515 | 459 | Executive Financial Bene-Facts Inc |
| Korn Ferry(us) | $2,639,091 | $164,344 | 3,675 | Aon |
| Sheppard, Mullin, Richter & Hampton, LLP | $2,630,070 | $500,088 | 1,543 | EPIC Insurance Brokers |
| KB Home | $2,309,580 | $623,275 | 1,857 | USI Insurance Services |
| Rexford Industrial Realty, L.P. | $2,015,746 | $132,125 | 251 | Marsh McLennan Agency |
| Lido Advisors, LLC | $1,636,542 | $163,519 | 178 | Willis Towers Watson |
| The Capital Group Companies, Inc. | $1,594,687 | $186,903 | 8,846 | Willis Towers Watson |
| Local 306 Theat.Employ.Health Fund C/O Benefit Plans, Inc. | $1,535,597 | — | 1,247 | — |
| Medialab.Ai Inc | $1,445,728 | $168,400 | 103 | HUB International |
| Oaktree Capital Management, LP | $1,107,829 | $80,581 | 911 | Lockton |
| Nationwide Legal, LLC | $978,385 | $51,530 | 120 | Eos Insurance Agency |
| Dart Entities, Inc | $823,329 | $406,906 | 1,062 | EPIC Insurance Brokers |
| Cim Group, L.P. | $760,657 | $301,608 | 1,147 | Mercer |
| The J. Paul Getty Trust | $667,369 | — | 1,267 | — |
| Radnet Management, Inc. | $581,160 | $608,217 | 7,993 | USI Insurance Services |
| Puma Biotechnology, Inc. | $484,065 | $271,565 | 186 | The Baldwin Group |
| University of Southern California | $344,862 | $2,241,874 | 23,634 | Cottingham & Butler Insurance Servi |
| Gibson, Dunn & Crutcher LLP | $272,331 | $480,539 | 2,934 | Executive Financial Benefacts Inc |
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 Los Angeles employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Gallagher | $7,354,365 | 57 |
| HUB International | $5,254,060 | 43 |
| Marsh McLennan Agency | $3,968,875 | 37 |
| IMA Financial | $3,942,441 | 33 |
| USI Insurance Services | $3,404,203 | 24 |
| Acrisure | $3,344,847 | 23 |
| OneDigital | $2,737,872 | 18 |
| Mercer | $2,649,820 | 18 |
| The Baldwin Group | $2,546,369 | 29 |
| EPIC Insurance Brokers | $2,241,070 | 20 |
Largest medical carriers
Medical premium written for these employers.
Los Angeles 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.
| Los Angeles | California | United States | |
|---|---|---|---|
| Employer plans | 489 | 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 | $126,462 | $104,298 | $72,628 |
| Medical premium per covered person | $6,927 | $6,689 | $7,274 |
| Plans reporting no commission | 2 | 25 | 933 |
Year over year. In plan year 2023, 483 Los Angeles employers reported $80M in premiums and $77M in broker pay for 448,046 participants; in 2024 it was $96M and $83M for 481,732 participants (premiums +20.9%, 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 Los Angeles employers pay health insurance brokers?
489 Los Angeles employers reported $82,653,603 in broker commissions and fees on their 2024 Form 5500 filings, 463 of them disclosing at least some compensation. Too few fully insured medical plans in Los Angeles 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 Los Angeles employer that disclosed broker pay reported $126,462.
Which Los Angeles employers have the largest health plans?
By insurance premium reported for 2024, Quinn Emanuel Urquhart & Sullivan, LLP ($23M), Board of Trustees, Northwest Carpenters Health and Security Plan ($16M), Amity Foundation ($9.0M) lead. 25 Los Angeles employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Los Angeles?
By compensation reported by Los Angeles employers, the largest brokers are Gallagher ($7.4M, 57 plans), HUB International ($5.3M, 43 plans), Marsh McLennan Agency ($4.0M, 37 plans). By medical premium, the largest carriers are Cigna Health and Life Insurance Company, Cigna Healthcare of California, Emblemhealth.
Are Los Angeles employer health plans self-funded or fully insured?
Of 489 Los Angeles employer plans, 160 are fully insured, 46 are self-funded and 283 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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