Petaluma, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
22 employers in Petaluma, California filed health plans with 100 or more participants for plan year 2024, covering 8,328 participants. They reported $14M in insurance premiums and $2.2M in broker commissions and fees. Against 2023, premiums were up 13.0% and broker pay rose 23.8%.
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 Petaluma
Petaluma employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Sunset Aviation, LLC | $14,268,302 | $52,248 | 1,141 | Willis Towers Watson |
| The Lagunitas Brewing Company | $29,493 | $19,274 | 368 | Mercer |
| Amys Kitchen, Inc. | $0 | $111,077 | 2,200 | Filice Insurance Agency |
| Golden State Lumber, Inc. | $0 | $471,778 | 637 | EPIC Insurance Brokers |
| Petaluma Health Center | $0 | $93,781 | 520 | RSC Insurance Brokerage, Inc. |
| Hansel Enterprises, Inc | $0 | $181,282 | 444 | EPIC Insurance Brokers |
| Friedmans Home Improvement | $0 | $28,478 | 417 | Lockton |
| GCX Corporation | $0 | $14,527 | 361 | Alliant Insurance Services |
| Labcon, North America | $0 | $282 | 268 | PSH Insurance Inc |
| Hydropoint Data Systems, Inc. | $0 | $253,407 | 206 | Acrisure |
| United Cerebral Palsy of the North Bay, Inc. | $0 | $54,968 | 189 | Patriot Growth |
| Windsor Holding Company | $0 | $2,050 | 185 | USI Insurance Services |
| Kval, Inc. | $0 | $114,252 | 181 | OneDigital |
| Muir Wood | $0 | $93,716 | 172 | Alliant Insurance Services |
| Meritage Medical Network | $0 | $128,459 | 162 | Marsh McLennan Agency |
| Crosscheck, Inc. | $0 | $103,514 | 153 | Alliant Insurance Services |
| Hanford Applied Restoration & Conse | $0 | — | 140 | — |
| Straus Family Creamery | $0 | $89,192 | 133 | Patriot Growth |
| Ernest Ongaro and Sons, Inc. | $0 | $65,919 | 129 | Marsh McLennan Agency |
| Gary D. Nelson Associates, Inc. | $0 | $96,292 | 114 | HUB International |
| Purple Brands | $0 | $55,476 | 106 | Heffernan |
| Morris Distributing Company, Inc. | $0 | $153,814 | 102 | Patriot Growth |
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 Petaluma employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| EPIC Insurance Brokers | $653,060 | 2 |
| Patriot Growth | $224,652 | 3 |
| Acrisure | $222,585 | 1 |
| Alliant Insurance Services | $211,543 | 3 |
| Marsh McLennan Agency | $179,814 | 3 |
| Filice Insurance Services LLC | $109,321 | 1 |
| OneDigital | $101,154 | 1 |
| HUB International | $96,292 | 1 |
| RSC Insurance Brokerage, Inc. | $78,943 | 1 |
| Heffernan | $55,476 | 1 |
Largest medical carriers
Medical premium written for these employers.
Petaluma 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.
| Petaluma | 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 | $93,716 | $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, 21 Petaluma employers reported $13M in premiums and $1.8M in broker pay for 8,140 participants; in 2024 it was $14M and $2.2M for 8,328 participants (premiums +13.0%, broker pay +23.8%).
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 Petaluma employers pay health insurance brokers?
22 Petaluma employers reported $2,183,786 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 Petaluma 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 Petaluma employer that disclosed broker pay reported $93,716.
Which Petaluma employers have the largest health plans?
By insurance premium reported for 2024, Sunset Aviation, LLC ($14M), The Lagunitas Brewing Company ($29,493), Amys Kitchen, Inc. ($0) lead. 22 Petaluma employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Petaluma?
By compensation reported by Petaluma employers, the largest brokers are EPIC Insurance Brokers ($653,060, 2 plans), Patriot Growth ($224,652, 3 plans), Acrisure ($222,585, 1 plans). By medical premium, the largest carriers are Cigna Health and Life Insurance Company, Kaiser Foundation Health Plan, Inc., Sutter Health Plan.
Are Petaluma employer health plans self-funded or fully insured?
Of 22 Petaluma 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
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