Riverside, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
37 employers in Riverside, California filed health plans with 100 or more participants for plan year 2024, covering 9,235 participants. They reported $2.0M in insurance premiums and $4.5M in broker commissions and fees. Against 2023, premiums were down 58.4% and broker pay rose 15.5%.
Funding: 17 fully insured · 3 self-funded · 17 mixed. 20 of 37 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Riverside
Riverside employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Riverside Metro Auto Group, LLC | $1,953,483 | $18,494 | 259 | Ralph D Purinton Ii |
| T.M. Cobb Company | $63,441 | $186,276 | 446 | Gallagher |
| Ipm Health & Welfare Trust of California | $0 | $28,872 | 777 | Interremedy Insurance Service, LLC |
| Ba Holdings, Inc. | $0 | $302,926 | 760 | Horan &Associates Inc |
| 20/20 Plumbing & Heating, Inc. | $0 | $757,940 | 742 | OneDigital |
| Moss Bros. | $0 | $148,563 | 373 | Sullivan Curtis Monroe Ins. SVCS. |
| Altura Credit Union | $0 | $319,333 | 361 | HUB International |
| Community Health Systems Inc. | $0 | $143,316 | 360 | The Baldwin Group |
| Bourns, Inc. | $0 | $232,927 | 332 | Marsh McLennan Agency |
| Fenceworks LLC | $0 | $152,113 | 303 | The Ark Insurance Services, Inc. |
| Best Best & Krieger LLP | $0 | $195,574 | 285 | Lockton |
| Walters Auto Sales and Service, Inc. | $0 | $205,565 | 275 | HUB International |
| Farmer Boys Food, Inc. | $0 | $68,733 | 263 | HUB International |
| J Ginger Masonry, LP | $0 | $134,701 | 250 | EPIC Insurance Brokers |
| Hal Hays Construction, Inc. | $0 | $30,579 | 246 | Alliant Insurance Services |
| Goforth and Marti GM Business Interiors | $0 | $49,463 | 238 | EPIC Insurance Brokers |
| Historic Mission Inn | $0 | $46,488 | 205 | Acrisure |
| Provident Savings Bank | $0 | $72,154 | 174 | HUB International |
| Riverside Medical Clinic, Inc. | $0 | $172,005 | 165 | NFP |
| Ati Windows, Inc. | $0 | $41,570 | 162 | Sullivan Curtis Monroe Ins. SVCS. |
| Inland Southern California United Way | $0 | $62,870 | 158 | Burnham Benefits |
| Kana Pipeline, Inc. | $0 | $7,880 | 156 | EPIC Insurance Brokers |
| PPC Enterprises, Inc. | $0 | $26,377 | 152 | Marsh McLennan Agency |
| Inland Counties Legal Services | $0 | $184,744 | 151 | Alliant Insurance Services |
| West Coast Drywall and Paint | $0 | $142,008 | 150 | Benefits America 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 Riverside employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| HUB International | $712,267 | 6 |
| OneDigital | $334,048 | 1 |
| Voluntary Benefit Advisors | $318,313 | 1 |
| Gallagher | $316,038 | 2 |
| Alliant Insurance Services | $309,089 | 4 |
| Horan Associates Inc. | $202,663 | 1 |
| Marsh McLennan Agency | $196,949 | 3 |
| Lockton | $195,574 | 1 |
| EPIC Insurance Brokers | $194,376 | 4 |
| Sullivan Curtis Monroe Ins. SVCS. | $190,133 | 2 |
Largest medical carriers
Medical premium written for these employers.
Riverside 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.
| Riverside | California | United States | |
|---|---|---|---|
| Employer plans | 37 | 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 | $80,091 | $104,298 | $72,628 |
| Medical premium per covered person | n/a | $6,689 | $7,274 |
| Plans reporting no commission | 1 | 25 | 933 |
Year over year. In plan year 2023, 38 Riverside employers reported $4.8M in premiums and $3.9M in broker pay for 10,022 participants; in 2024 it was $2.0M and $4.5M for 9,235 participants (premiums −58.4%, broker pay +15.5%).
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 Riverside employers pay health insurance brokers?
37 Riverside employers reported $4,472,056 in broker commissions and fees on their 2024 Form 5500 filings, 36 of them disclosing at least some compensation. Too few fully insured medical plans in Riverside 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 Riverside employer that disclosed broker pay reported $80,091.
Which Riverside employers have the largest health plans?
By insurance premium reported for 2024, Riverside Metro Auto Group, LLC ($2.0M), T.M. Cobb Company ($63,441), Ipm Health & Welfare Trust of California ($0) lead. 25 Riverside employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Riverside?
By compensation reported by Riverside employers, the largest brokers are HUB International ($712,267, 6 plans), OneDigital ($334,048, 1 plans), Voluntary Benefit Advisors ($318,313, 1 plans). By medical premium, the largest carriers are Kaiser Foundation Health Plan, Inc., Unitedhealthcare Insurance Company, Aetna Life Insurance Company.
Are Riverside employer health plans self-funded or fully insured?
Of 37 Riverside employer plans, 17 are fully insured, 3 are self-funded and 17 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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