Oxnard, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
22 employers in Oxnard, California filed health plans with 100 or more participants for plan year 2024, covering 9,694 participants. They reported $236,108 in insurance premiums and $1.9M in broker commissions and fees. Against 2023, premiums were down 12.3% and broker pay rose 5.0%.
Funding: 13 fully insured · 3 self-funded · 6 mixed. 9 of 22 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Oxnard
Oxnard employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Calamp Corp. | $236,108 | $117,286 | 303 | Willis Towers Watson |
| Reiter Affiliated Companies, LLC | $0 | $65,241 | 4,705 | USI Insurance Services |
| Spatz Laboratories | $0 | $146,818 | 533 | Mercer |
| Mission Produce Inc. | $0 | $292,649 | 533 | Mercer |
| A.G.I.A., Inc. | $0 | — | 432 | — |
| Child Development Resources of Ventura County, Inc. | $0 | $110,679 | 380 | Jamed J. Friedman |
| Oxnard Peace Officers Association | $0 | — | 372 | — |
| Dcor, LLC | $0 | $126,999 | 351 | Lockton |
| Ets Express, LLC | $0 | $184,405 | 217 | Willis Towers Watson |
| Elite Metal Finishing LLC | $0 | $79,485 | 213 | USI Insurance Services |
| Erg International | $0 | $53,888 | 181 | The Baldwin Group |
| Millworks, Etc. Inc. | $0 | $83,589 | 169 | Thomas R. Means, Inc. |
| J. Harris Industrial Water Treatment, Inc. | $0 | $93,370 | 162 | Gallagher |
| Fence Factory | $0 | $69,411 | 151 | Sc&A Insurance Services LLC |
| Scosche Industries, Inc. | $0 | $59,512 | 138 | USI Insurance Services |
| Goodwill Industries of Ventura and Santa Barbara Counties | $0 | $69,392 | 137 | Poms & Associates Insurance Brokers |
| Produce Available, Inc. | $0 | $17,436 | 129 | Centered Insurance Solutions, Inc. |
| National Graphics, LLC | $0 | $22,074 | 128 | Patriot Growth |
| Oceanair Federal Credit Union | $0 | $69,203 | 124 | Patriot Growth |
| Inclusive Education and Community Partnership | $0 | $63,388 | 116 | Berkley an Alera Insurance Agency |
| GMH, Inc. | $0 | $56,612 | 115 | USI Insurance Services |
| Drum Workshop Inc | $0 | $86,401 | 105 | Gallagher |
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 Oxnard employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Mercer | $439,467 | 2 |
| USI Insurance Services | $260,884 | 4 |
| Willis Towers Watson | $238,307 | 2 |
| Gallagher | $179,771 | 2 |
| Lockton | $126,999 | 1 |
| Patriot Growth | $78,479 | 2 |
| Sc&A Insurance Services LLC | $69,411 | 1 |
| Poms & Associates Insurance Brokers | $69,392 | 1 |
| Berkley an Alera Insurance Agency | $51,781 | 1 |
| Amwins Connect Insurance SVCS., LLC | $46,680 | 1 |
Largest medical carriers
Medical premium written for these employers.
Oxnard 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.
| Oxnard | 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 | $74,448 | $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, 25 Oxnard employers reported $269,131 in premiums and $1.8M in broker pay for 10,754 participants; in 2024 it was $236,108 and $1.9M for 9,694 participants (premiums −12.3%, broker pay +5.0%).
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 Oxnard employers pay health insurance brokers?
22 Oxnard employers reported $1,867,838 in broker commissions and fees on their 2024 Form 5500 filings, 20 of them disclosing at least some compensation. Too few fully insured medical plans in Oxnard 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 Oxnard employer that disclosed broker pay reported $74,448.
Which Oxnard employers have the largest health plans?
By insurance premium reported for 2024, Calamp Corp. ($236,108), Reiter Affiliated Companies, LLC ($0), Spatz Laboratories ($0) lead. 22 Oxnard employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Oxnard?
By compensation reported by Oxnard employers, the largest brokers are Mercer ($439,467, 2 plans), USI Insurance Services ($260,884, 4 plans), Willis Towers Watson ($238,307, 2 plans). By medical premium, the largest carriers are Blue Cross of California, Unitedhealthcare Insurance Company, Kaiser Foundation Health Plan, Inc..
Are Oxnard employer health plans self-funded or fully insured?
Of 22 Oxnard employer plans, 13 are fully insured, 3 are self-funded and 6 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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