Napa, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
22 employers in Napa, California filed health plans with 100 or more participants for plan year 2024, covering 6,622 participants. They reported $79,873 in insurance premiums and $1.8M in broker commissions and fees. Against 2023, premiums were unchanged and broker pay rose 3.5%.
Funding: 4 fully insured · 3 self-funded · 15 mixed. 18 of 22 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Napa
Napa employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| The Hess Collection Winery | $79,873 | $159,935 | 107 | Lockton |
| The Doctors Management Company | $0 | $264,452 | 836 | EPIC Insurance Brokers |
| Ole Health | $0 | $25,171 | 764 | HUB International |
| Treasury Wine Estates Americas Company | $0 | $64,064 | 704 | Marsh McLennan Agency |
| Biagi Bros. | $0 | $6,688 | 652 | George Petersen Insurance Agency |
| Atlas Vineyard Management, LLC | $0 | $150,843 | 435 | Relation Insurance |
| Wineshipping.Com, LLC | $0 | $156,466 | 431 | Marsh McLennan Agency |
| Fior Di Sole LLC | $0 | $28,009 | 375 | Heffernan |
| North Bay Regional Center | $0 | $51,444 | 334 | M & O Agencies Inc |
| Walsh Vineyards Management, Inc. | $0 | $93,549 | 237 | Lockton |
| Antinori California Inc | $0 | $23,768 | 220 | California Winegrower Foundation |
| Central Valley | $0 | $93,533 | 214 | NFP |
| Child Start, Inc. | $0 | $49,908 | 207 | RSC Insurance Brokerage, Inc. |
| Crimson Wine Group, LTD | $0 | $131,943 | 159 | Lockton |
| Endsight | $0 | $109,848 | 146 | Mindshare Benefits & Insurance Serv |
| Trefethen Family Winery, LLC | $0 | $87,822 | 138 | Marsh McLennan Agency |
| Cello & Maudru Construction Company, Inc. | $0 | $53,788 | 135 | Filice Insurance Services LLC |
| Nova Group, Inc. | $0 | — | 117 | — |
| Aldea, Inc. | $0 | $39,576 | 108 | HUB International |
| Domaine Carneros Limited | $0 | $57,078 | 102 | RSC Insurance Brokerage, Inc. |
| Clean Power Research, L.L.C. | $0 | $64,284 | 101 | Parker Smith & Feek Inc. |
| Carneros Resort and Spa | $0 | $63,380 | 100 | Interwest Insurance Services, 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 Napa employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Lockton | $366,525 | 4 |
| Marsh McLennan Agency | $277,641 | 3 |
| EPIC Insurance Brokers | $253,437 | 1 |
| Relation Insurance | $148,978 | 1 |
| Mindshare Benefits & Insurance Serv | $104,705 | 1 |
| RSC Insurance Brokerage, Inc. | $95,820 | 2 |
| NFP | $83,526 | 1 |
| Parker Smith & Feek Inc. | $63,481 | 1 |
| HUB International | $61,753 | 2 |
| Filice Insurance Services LLC | $51,487 | 2 |
Largest medical carriers
Medical premium written for these employers.
Napa 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.
| Napa | California | United States | |
|---|---|---|---|
| Employer plans | 22 | 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 | $64,064 | $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, 19 Napa employers reported $0 in premiums and $1.7M in broker pay for 5,274 participants; in 2024 it was $79,873 and $1.8M for 6,622 participants (broker pay +3.5%).
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 Napa employers pay health insurance brokers?
22 Napa employers reported $1,775,549 in broker commissions and fees on their 2024 Form 5500 filings, 21 of them disclosing at least some compensation. Too few fully insured medical plans in Napa 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 Napa employer that disclosed broker pay reported $64,064.
Which Napa employers have the largest health plans?
By insurance premium reported for 2024, The Hess Collection Winery ($79,873), The Doctors Management Company ($0), Ole Health ($0) lead. 22 Napa employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Napa?
By compensation reported by Napa employers, the largest brokers are Lockton ($366,525, 4 plans), Marsh McLennan Agency ($277,641, 3 plans), EPIC Insurance Brokers ($253,437, 1 plans). By medical premium, the largest carriers are Kaiser Foundation Health Plan, Inc., Western Health Advantage, Metropolitan Life Insurance Company.
Are Napa employer health plans self-funded or fully insured?
Of 22 Napa employer plans, 4 are fully insured, 3 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
Is your company on this page? Get its Form 5500 read next to the Napa, California medians.
Tell us the company and a specialist writes up what the public Form 5500 record shows for it, if it files one: broker pay against the medians above, fee disclosure and filing timeliness, in a form you can forward to your CFO or counsel. Tick the box if you also want a 15-minute walkthrough call.
We don't sell your email. By submitting, you agree that BenefitsLedger and its benefits advisory partner, WellthCare, may email or call you about these findings. Opt out anytime by replying. See our privacy policy.