Sacramento, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
121 employers in Sacramento, California filed health plans with 100 or more participants for plan year 2024, covering 147,600 participants. They reported $8.0M in insurance premiums and $13M in broker commissions and fees. Against 2023, premiums were up 7.1% and broker pay rose 4.7%.
Funding: 32 fully insured · 14 self-funded · 75 mixed. 89 of 121 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Sacramento
Sacramento employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| The Golden 1 Credit Union | $6,889,296 | $182,235 | 2,092 | HUB International |
| Blue Diamond Growers | $698,987 | $3,746 | 1,709 | Various - See Attahced |
| Diagnostic Pathology Medical Group, Inc. | $313,015 | $84,468 | 142 | Interwest Insurance Services |
| California State Employees Association | $37,054 | $38,587 | 606 | Filice Insurance Services LLC |
| Union of California State Workers SEIU Local 1000 | $22,261 | $109,970 | 154 | Filice Insurance Services LLC |
| Sutter Health | $0 | $335,363 | 55,542 | Gallagher |
| Sutter Bay Hospitals | $0 | $12,780 | 19,707 | Willis Towers Watson |
| Sutter Valley Hospitals | $0 | — | 17,508 | — |
| Peace Officers Research Association of California | $0 | — | 8,362 | — |
| California Society of Certified Public Accountants | $0 | $53,870 | 5,853 | Centerstone Ins & FNCL SVCS |
| Sacramento Basketball Holdings LLC | $0 | $294,612 | 1,677 | HUB International |
| Board of Trustees, U.A. Local No. 447 Pipe Trades | $0 | $196,494 | 1,212 | Stealth Partner Group LLC |
| The McClatchy Company, LLC | $0 | $62,848 | 1,196 | Willis Towers Watson |
| Teichert Inc. | $0 | $125,126 | 1,105 | EPIC Insurance Brokers |
| Goodwill Industries of Sacramento Valley and Northern Nevada, Inc. | $0 | $87,184 | 1,090 | Interwest Insurance Services, Inc. |
| CVC Holding Corp. | $0 | $62,239 | 1,073 | USI Insurance Services |
| Sansum Clinic | $0 | $43,752 | 1,060 | Various - See Attached |
| Wellspace Health | $0 | $28,145 | 852 | Foundation Risk Partners Corp |
| Sutter Medical Group | $0 | $194,411 | 833 | — |
| Advanced Building Maintenance, Inc. | $0 | $69,817 | 747 | Marsh McLennan Agency |
| Alta California Regional Center | $0 | $468,151 | 727 | M & O Agencies Inc |
| Summit Funding, Inc. | $0 | $373,943 | 725 | HUB International |
| NTT Global Data Centers Americas, Inc. | $0 | $119,902 | 706 | Marsh McLennan Agency |
| The Niello Company | $0 | $53,332 | 634 | HUB International |
| Panattoni Development Company, Inc. | $0 | $632,516 | 602 | USI 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 Sacramento employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| HUB International | $1,737,109 | 19 |
| USI Insurance Services | $1,267,473 | 10 |
| EPIC Insurance Brokers | $1,240,128 | 15 |
| The Baldwin Group | $722,776 | 4 |
| M & O Agencies Inc | $524,064 | 3 |
| Marsh McLennan Agency | $523,266 | 8 |
| Sequoia | $347,755 | 3 |
| Acrisure | $347,610 | 8 |
| Lockton | $343,519 | 6 |
| Willis Towers Watson | $342,577 | 5 |
Largest medical carriers
Medical premium written for these employers.
Sacramento 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.
| Sacramento | California | United States | |
|---|---|---|---|
| Employer plans | 121 | 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 | $84,964 | $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, 120 Sacramento employers reported $7.4M in premiums and $12M in broker pay for 137,299 participants; in 2024 it was $8.0M and $13M for 147,600 participants (premiums +7.1%, broker pay +4.7%).
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 Sacramento employers pay health insurance brokers?
121 Sacramento employers reported $12,754,040 in broker commissions and fees on their 2024 Form 5500 filings, 117 of them disclosing at least some compensation. Too few fully insured medical plans in Sacramento 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 Sacramento employer that disclosed broker pay reported $84,964.
Which Sacramento employers have the largest health plans?
By insurance premium reported for 2024, The Golden 1 Credit Union ($6.9M), Blue Diamond Growers ($698,987), Diagnostic Pathology Medical Group, Inc. ($313,015) lead. 25 Sacramento employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Sacramento?
By compensation reported by Sacramento employers, the largest brokers are HUB International ($1.7M, 19 plans), USI Insurance Services ($1.3M, 10 plans), EPIC Insurance Brokers ($1.2M, 15 plans). By medical premium, the largest carriers are Cigna Health and Life Insurance Company, Kaiser Foundation Health Plan, Inc., Western Health Advantage.
Are Sacramento employer health plans self-funded or fully insured?
Of 121 Sacramento employer plans, 32 are fully insured, 14 are self-funded and 75 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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