Ontario, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
50 employers in Ontario, California filed health plans with 100 or more participants for plan year 2024, covering 49,208 participants. They reported $0 in insurance premiums and $7.7M in broker commissions and fees. Against 2023, premiums were unchanged and broker pay rose 16.0%.
Funding: 23 fully insured · 7 self-funded · 20 mixed. 27 of 50 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Ontario
Ontario employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Prime Healthcare Services, Inc. | $0 | $1,408,091 | 18,252 | Keenan & Associates |
| Heritage Grocers Group, LLC | $0 | $167,591 | 7,850 | Willis Towers Watson |
| Prime Healthcare Foundation, Inc. | $0 | $452,205 | 5,013 | Keenan & Associates |
| Ajinomoto Foods North America Inc | $0 | $160,277 | 2,231 | Robyn L Piper |
| New-Indy Containerboard, LLC | $0 | $262,581 | 1,892 | Marsh McLennan Agency |
| Atlantic Solutions Group, Inc. dba Empire Workforce Solutions | $0 | — | 1,540 | — |
| Citizens Business Bank | $0 | $517,233 | 1,029 | Bolton Insurance Services LLC |
| Gold Star Foods, Inc | $0 | $562,611 | 988 | Lockton |
| J. McCullough Corporation | $0 | $216,527 | 890 | Burnham Benefits |
| Dpi Specialty Foods, Inc. | $0 | $27,937 | 845 | Alliant Insurance Services |
| Hci Systems, Inc | $0 | $281,322 | 649 | EPIC Insurance Brokers |
| Tropicale Foods, Inc | $0 | $38,761 | 568 | Marsh McLennan Agency |
| MNX Global Logistics Corp. | $0 | $204,950 | 434 | Mercer |
| Rockwell Healthcare, LLC | $0 | $99,780 | 379 | Abd Ins. and Financial SVCS., Inc. |
| Larry Methvin Installation, Inc. | $0 | $83,176 | 351 | Lockton |
| HMC Group | $0 | $81,594 | 332 | Alliant Insurance Services |
| Ontario Refrigeration Service, Inc. | $0 | $108,149 | 319 | USI Insurance Services |
| Dirt Cheap, Inc. dba DCG Fulfillment | $0 | $119,060 | 280 | Liberty Company Insurance Brokers |
| Balda C. Brewer, Inc. | $0 | $68,071 | 276 | HUB International |
| International Association of Plumbing and Mechanical Officials | $0 | $300,529 | 255 | HUB International |
| Parco, LLC | $0 | $16,312 | 243 | Aon |
| Unicare Community Health Center, Inc. | $0 | $130,540 | 243 | Marsh McLennan Agency |
| Real Journey Academies, Inc. | $0 | $158,553 | 233 | EPIC Insurance Brokers |
| Geo Logic Associates, Inc. | $0 | $204,082 | 215 | Robert E. Duncan |
| R & B Wholesale Distributors Inc | $0 | $64,219 | 214 | J Gard Benefit Consultants 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 Ontario employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Keenan & Associates | $1,860,547 | 3 |
| Lockton | $645,533 | 2 |
| Marsh McLennan Agency | $610,859 | 6 |
| HUB International | $425,241 | 3 |
| EPIC Insurance Brokers | $420,353 | 2 |
| Bolton Insurance Services LLC | $412,262 | 1 |
| OneDigital | $234,422 | 3 |
| Burnham Benefits | $216,527 | 1 |
| Mercer | $204,950 | 1 |
| Gallagher | $188,895 | 2 |
Largest medical carriers
Medical premium written for these employers.
Ontario 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.
| Ontario | California | United States | |
|---|---|---|---|
| Employer plans | 50 | 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 | $87,430 | $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, 48 Ontario employers reported $0 in premiums and $6.6M in broker pay for 53,117 participants; in 2024 it was $0 and $7.7M for 49,208 participants (broker pay +16.0%).
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 Ontario employers pay health insurance brokers?
50 Ontario employers reported $7,666,389 in broker commissions and fees on their 2024 Form 5500 filings, 49 of them disclosing at least some compensation. Too few fully insured medical plans in Ontario 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 Ontario employer that disclosed broker pay reported $87,430.
Which Ontario employers have the largest health plans?
By insurance premium reported for 2024, Prime Healthcare Services, Inc. ($0), Heritage Grocers Group, LLC ($0), Prime Healthcare Foundation, Inc. ($0) lead. 25 Ontario employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Ontario?
By compensation reported by Ontario employers, the largest brokers are Keenan & Associates ($1.9M, 3 plans), Lockton ($645,533, 2 plans), Marsh McLennan Agency ($610,859, 6 plans). By medical premium, the largest carriers are Unitedhealthcare Insurance Company, California Physicians Service, Kaiser Foundation Health Plan, Inc..
Are Ontario employer health plans self-funded or fully insured?
Of 50 Ontario employer plans, 23 are fully insured, 7 are self-funded and 20 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 Ontario, California medians.
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