Roseville, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
30 employers in Roseville, California filed health plans with 100 or more participants for plan year 2024, covering 20,476 participants. They reported $869,741 in insurance premiums and $6.8M in broker commissions and fees. Against 2023, premiums were down 20.8% and broker pay rose 11.5%.
Funding: 10 fully insured · 2 self-funded · 18 mixed. 20 of 30 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Roseville
Roseville employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Pride Industries | $597,522 | $145,870 | 4,233 | Custom Benefit Programs Inc. |
| Direct Apps Inc. | $182,114 | $142,561 | 925 | Alliant Insurance Services |
| Larkin Benefit Administrators | $90,105 | $202,191 | 249 | USI Insurance Services |
| American Pacific Mortgage | $0 | $1,073,123 | 2,504 | HUB International |
| Rideout Memorial Hospital | $0 | $1,711,870 | 2,046 | Willis Towers Watson |
| Flexcare LLC | $0 | $202,620 | 1,418 | Alliant Insurance Services |
| Harris & Bruno International | $0 | $22,855 | 1,339 | USI Insurance Services |
| Future Automotive Group | $0 | $427,989 | 1,215 | USI Insurance Services |
| Goodleap, LLC | $0 | $148,430 | 1,144 | HUB International |
| Quick Quack Car Wash | $0 | $263,698 | 949 | Prospero Benefits & Ins. SVCS., Inc |
| Cypress Healthcare Group LLC | $0 | $413,171 | 532 | The Baldwin Group |
| Awi Management Corporation | $0 | $173,347 | 430 | HUB International |
| Adventist Health Medical Group | $0 | $220,411 | 398 | Alliant Insurance Services |
| Clearcaptions | $0 | $121,972 | 375 | NFP |
| USA Properties Fund, Inc. | $0 | $285,115 | 366 | USI Insurance Services |
| Odin Construction Solutions, LLC | $0 | $250,297 | 234 | Interwest Insurance Services LLC |
| Robert Bosch Semiconductor LLC | $0 | $2,029 | 223 | Woodruff Sawyer |
| Teleplan Holdings USA, Inc. | $0 | $156,992 | 203 | USI Insurance Services |
| Cokeva | $0 | $43,874 | 202 | Verus Insurance Services |
| John Mourier Construction, Inc. | $0 | $86,520 | 194 | Gallagher |
| Ghirardelli Associates, Inc. | $0 | $81,852 | 178 | EPIC Insurance Brokers |
| Classic VMS, Inc. | $0 | $96,577 | 154 | Sequel Insurance Services, Inc. |
| Reboot Labs, LLC | $0 | $28,517 | 149 | Abd Ins. and Financial SVCS., Inc. |
| LB Construction Inc. | $0 | $52,719 | 147 | Clifford Benefits Group |
| Camblin Steel Service, Inc | $0 | $77,276 | 140 | Clifford Benefits Group |
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 Roseville employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| HUB International | $1,439,092 | 6 |
| USI Insurance Services | $1,097,998 | 6 |
| Willis Towers Watson | $1,069,041 | 1 |
| Benefit Communications Inc | $642,829 | 1 |
| Alliant Insurance Services | $595,763 | 4 |
| The Baldwin Group | $312,258 | 1 |
| Prospero Benefits & Ins. SVCS., Inc | $258,865 | 1 |
| Interwest Insurance Services, LLC | $250,297 | 1 |
| Custom Benefit Programs Inc | $126,054 | 1 |
| NFP | $115,900 | 2 |
Largest medical carriers
Medical premium written for these employers.
Roseville 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.
| Roseville | California | United States | |
|---|---|---|---|
| Employer plans | 30 | 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 | $132,267 | $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, 26 Roseville employers reported $1.1M in premiums and $6.1M in broker pay for 20,348 participants; in 2024 it was $869,741 and $6.8M for 20,476 participants (premiums −20.8%, broker pay +11.5%).
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 Roseville employers pay health insurance brokers?
30 Roseville employers reported $6,753,472 in broker commissions and fees on their 2024 Form 5500 filings, 30 of them disclosing at least some compensation. Too few fully insured medical plans in Roseville 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 Roseville employer that disclosed broker pay reported $132,267.
Which Roseville employers have the largest health plans?
By insurance premium reported for 2024, Pride Industries ($597,522), Direct Apps Inc. ($182,114), Larkin Benefit Administrators ($90,105) lead. 25 Roseville employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Roseville?
By compensation reported by Roseville employers, the largest brokers are HUB International ($1.4M, 6 plans), USI Insurance Services ($1.1M, 6 plans), Willis Towers Watson ($1.1M, 1 plans). By medical premium, the largest carriers are Blue Cross and Blue Shield of Alabama, Unitedhealthcare Insurance Company, Kaiser Foundation Health Plan, Inc..
Are Roseville employer health plans self-funded or fully insured?
Of 30 Roseville employer plans, 10 are fully insured, 2 are self-funded and 18 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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