Orange, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
51 employers in Orange, California filed health plans with 100 or more participants for plan year 2024, covering 40,633 participants. They reported $76M in insurance premiums and $8.3M in broker commissions and fees. Against 2023, premiums were up 11.8% and broker pay rose 3.5%.
Funding: 23 fully insured · 2 self-funded · 26 mixed. 28 of 51 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Orange
Orange employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Childrens Hospital of Orange County | $55,414,412 | $637,242 | 6,559 | Mercer |
| Chapman University | $16,148,234 | $18,622 | 1,668 | HUB International |
| Toyota of Orange, Inc. | $2,641,631 | $1,037,247 | 2,263 | AssuredPartners |
| Board of Trustees, Airconditioning and Refrigeration | $552,664 | $49,727 | 2,238 | Interremedy Insurance Services, LLC |
| Prospect Medical Systems, LLC dba Prospect Medical | $398,295 | $114,581 | 1,029 | Lockton |
| DMG Corporation | $273,551 | $236,088 | 283 | Douglas-Mccarty Insurance Services |
| Cirks Construction Inc. | $147,108 | $178,125 | 177 | Sullivan Curtis Monroe Ins. SVCS. |
| SKB Corporation | $73,956 | $61,734 | 226 | Douglas-Mccarty Insurance Services |
| General Underground Fire Protection, Inc. | $60,683 | $89,409 | 176 | IMA Financial |
| Western Dental Services, Inc. | $0 | $368,192 | 6,025 | J.D. Allman, Inc |
| Sa Recycling LLC | $0 | $647,595 | 3,427 | USI Insurance Services |
| M S International, Inc. | $0 | $88,245 | 2,509 | OneDigital |
| Falck USA, Inc. | $0 | $143,420 | 2,282 | Willis Towers Watson |
| Roth Staffing Companies, L.P. | $0 | $148,314 | 1,273 | Mercer |
| Hassan & Sons, Inc. | $0 | $119,774 | 901 | Acrisure |
| Alpine Physician Partners, LLC | $0 | $375,920 | 896 | HUB International |
| Megamex Food, LLC | $0 | $329,956 | 672 | Acrisure |
| Westways Staffing Services | $0 | $137,337 | 647 | Acrisure |
| Stir Foods, LLC | $0 | $243,902 | 542 | Lockton |
| Opal Services, Inc. | $0 | $100,765 | 523 | PCF Insurance Services of the West |
| Word & Brown Insurance Administrators, Inc | $0 | $666,780 | 493 | Zain Insurance Services |
| Interstate Employment Services, Inc. | $0 | $33,577 | 407 | HUB International |
| Citistaff Solutions, Inc. | $0 | $43,088 | 392 | Acrisure |
| Statek Corporation | $0 | $91,100 | 363 | The Baldwin Group |
| Solari Enterprises, Inc. | $0 | $151,551 | 334 | Alliant Insurance 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 Orange employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Mercer | $1,306,302 | 7 |
| Acrisure | $664,192 | 5 |
| Zain Insurance Services | $646,825 | 1 |
| AssuredPartners | $640,703 | 1 |
| USI Insurance Services | $633,991 | 2 |
| Holmes Murphy | $438,755 | 2 |
| Lockton | $319,092 | 2 |
| HUB International | $301,196 | 5 |
| Douglas-Mccarty Insurance Services | $286,442 | 2 |
| The Baldwin Group | $277,473 | 4 |
Largest medical carriers
Medical premium written for these employers.
Orange 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.
| Orange | California | United States | |
|---|---|---|---|
| Employer plans | 51 | 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 | $91,100 | $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, 46 Orange employers reported $68M in premiums and $8.0M in broker pay for 38,142 participants; in 2024 it was $76M and $8.3M for 40,633 participants (premiums +11.8%, 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 Orange employers pay health insurance brokers?
51 Orange employers reported $8,277,888 in broker commissions and fees on their 2024 Form 5500 filings, 51 of them disclosing at least some compensation. Too few fully insured medical plans in Orange 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 Orange employer that disclosed broker pay reported $91,100.
Which Orange employers have the largest health plans?
By insurance premium reported for 2024, Childrens Hospital of Orange County ($55M), Chapman University ($16M), Toyota of Orange, Inc. ($2.6M) lead. 25 Orange employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Orange?
By compensation reported by Orange employers, the largest brokers are Mercer ($1.3M, 7 plans), Acrisure ($664,192, 5 plans), Zain Insurance Services ($646,825, 1 plans). By medical premium, the largest carriers are Cigna Healthcare of California, Cigna Health and Life Insurance Company, Aetna Life Insurance Company.
Are Orange employer health plans self-funded or fully insured?
Of 51 Orange employer plans, 23 are fully insured, 2 are self-funded and 26 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 Orange, 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.