Poway, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
20 employers in Poway, California filed health plans with 100 or more participants for plan year 2024, covering 7,326 participants. They reported $766,702 in insurance premiums and $1.8M in broker commissions and fees. Against 2023, premiums were up 290.0% and broker pay fell 3.7%.
Funding: 6 fully insured · 1 self-funded · 13 mixed. 14 of 20 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Poway
Poway employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Associated Builders and Contractors of San Diego, Inc. | $549,337 | — | 1,893 | — |
| Poway Academy of Hair Design | $109,728 | $72,558 | 193 | Douglas-Mccarty Insurance Services |
| Chef Works, Inc. | $107,637 | $117,642 | 207 | Alliant Insurance Services |
| Pacific Coast Academy | $0 | $503,686 | 1,004 | Gallagher |
| Arch Health Partners, Inc. | $0 | $115,035 | 669 | Benefit Communications, Inc. |
| Cohu, Inc. | $0 | $11,052 | 579 | Aon |
| Corovan Corporation | $0 | $154,045 | 567 | Alliant Insurance Services |
| Aaronm 2020, Inc | $0 | $119,845 | 293 | Lockton |
| Ickler Electric Corporation | $0 | $86,850 | 277 | Wgb-Raby L.P. |
| Verbal Behavior Associates | $0 | $34,866 | 229 | Advocate Nava Benefits |
| California Creative Solutions dba CCS Global Tech | $0 | $59,817 | 207 | HUB International |
| Elicc Americas Corporation | $0 | $124,587 | 180 | James M. Morrison Insurance Service |
| Corodata Corporation | $0 | $61,973 | 148 | Alliant Insurance Services |
| TGT Enterprises, Inc. | $0 | $113,682 | 147 | OneDigital |
| Bay City Equipment Industries Inc | $0 | $79,432 | 141 | — |
| Associated Microbreweries, Inc. | $0 | $54,087 | 129 | Marsh McLennan Agency |
| Epc Power Corp | $0 | $31,434 | 127 | Marsh McLennan Agency |
| Toray Membrane USA, Inc. | $0 | $20,793 | 124 | Hilb Group of New England |
| Spooners Woodworks, Inc. | $0 | $42,462 | 107 | HUB International |
| Digitalpro, Inc. | $0 | $12,289 | 105 | Enhanced Benefits Insurance Solutio |
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 Poway employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Gallagher | $503,686 | 1 |
| Alliant Insurance Services | $296,280 | 5 |
| Marsh McLennan Agency | $144,707 | 4 |
| OneDigital | $109,977 | 1 |
| HUB International | $99,148 | 3 |
| James M. Morrison Insurance Service | $95,119 | 1 |
| Benefit Communications Inc | $83,055 | 1 |
| Wgb-Raby L.P. | $69,195 | 1 |
| Douglas-Mccarty Insurance Services | $59,831 | 1 |
| Lockton | $48,540 | 1 |
Largest medical carriers
Medical premium written for these employers.
Poway 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.
| Poway | California | United States | |
|---|---|---|---|
| Employer plans | 20 | 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 | $72,558 | $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 Poway employers reported $196,568 in premiums and $1.9M in broker pay for 6,710 participants; in 2024 it was $766,702 and $1.8M for 7,326 participants (premiums +290.0%, broker pay −3.7%).
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 Poway employers pay health insurance brokers?
20 Poway employers reported $1,816,135 in broker commissions and fees on their 2024 Form 5500 filings, 19 of them disclosing at least some compensation. Too few fully insured medical plans in Poway 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 Poway employer that disclosed broker pay reported $72,558.
Which Poway employers have the largest health plans?
By insurance premium reported for 2024, Associated Builders and Contractors of San Diego, Inc. ($549,337), Poway Academy of Hair Design ($109,728), Chef Works, Inc. ($107,637) lead. 20 Poway employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Poway?
By compensation reported by Poway employers, the largest brokers are Gallagher ($503,686, 1 plans), Alliant Insurance Services ($296,280, 5 plans), Marsh McLennan Agency ($144,707, 4 plans). By medical premium, the largest carriers are Unitedhealthcare Insurance Company, Blue Cross of California, Mediexcel Health Plan.
Are Poway employer health plans self-funded or fully insured?
Of 20 Poway employer plans, 6 are fully insured, 1 are self-funded and 13 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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