San Leandro, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
19 employers in San Leandro, California filed health plans with 100 or more participants for plan year 2024, covering 6,550 participants. They reported $1.0M in insurance premiums and $2.5M in broker commissions and fees. Against 2023, premiums were down 7.2% and broker pay rose 7.0%.
Funding: 4 fully insured · 0 self-funded · 15 mixed. 15 of 19 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in San Leandro
San Leandro employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| R. Torre & Company | $908,027 | $299,923 | 354 | Ris Employee Benefits, Inc. |
| Peterson Holding Co. | $125,785 | $78,627 | 1,209 | EPIC Insurance Brokers |
| Ariat International, Inc. | $0 | $640,165 | 845 | Woodruff Sawyer |
| Osisoft, LLC | $0 | $62,186 | 773 | Alliant Insurance Services |
| Ghirardelli Chocolate Company | $0 | $29,480 | 709 | Custom Benefit Programs, Inc. |
| Bigge Crane and Rigging Co. | $0 | $89,321 | 469 | EPIC Insurance Brokers |
| Continental Western Corporation | $0 | $34,317 | 317 | Heffernan |
| Pacific Coast Containers, Inc. | $0 | $98,423 | 245 | Relation Insurance |
| Energy Recovery, Inc. | $0 | $315,959 | 235 | Sequoia |
| Royal Ambulance, Inc. | $0 | $102,638 | 214 | OneDigital |
| East Bay Innovations | $0 | $60,702 | 187 | Heffernan |
| Wine.Com, Inc. | $0 | $102,261 | 160 | Acrisure |
| Harold A. Steuber Enterprises, Inc. dba Associated Services Company | $0 | $34,663 | 139 | EPIC Insurance Brokers |
| Splay, Inc. | $0 | $87,233 | 128 | Sequoia |
| Corefact | $0 | $60,104 | 126 | Burnham Benefits |
| Community Health Center Network | $0 | $119,240 | 121 | Sequoia |
| Trayer Engineering Corporation | $0 | $149,864 | 117 | Abd Ins. and Financial SVCS., Inc. |
| Tap Plastics, Inc. | $0 | $29,383 | 102 | Paychex Insurance Agency |
| Continental Sales & Marketing, Inc. | $0 | $122,749 | 100 | NFP |
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 San Leandro employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Woodruff Sawyer | $638,465 | 1 |
| Sequoia | $525,229 | 4 |
| EPIC Insurance Brokers | $199,102 | 4 |
| Ris Employee Benefits, Inc. | $163,664 | 1 |
| Abd Ins. and Financial SVCS., Inc. | $144,397 | 1 |
| Heffernan | $98,170 | 3 |
| NFP | $79,527 | 1 |
| Relation Insurance | $73,380 | 1 |
| Alliant Insurance Services | $62,170 | 1 |
| Burnham Benefits | $60,242 | 2 |
Largest medical carriers
Medical premium written for these employers.
San Leandro 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.
| San Leandro | California | United States | |
|---|---|---|---|
| Employer plans | 19 | 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 | $89,321 | $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 San Leandro employers reported $1.1M in premiums and $2.4M in broker pay for 6,250 participants; in 2024 it was $1.0M and $2.5M for 6,550 participants (premiums −7.2%, broker pay +7.0%).
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 San Leandro employers pay health insurance brokers?
19 San Leandro employers reported $2,517,238 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 San Leandro 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 San Leandro employer that disclosed broker pay reported $89,321.
Which San Leandro employers have the largest health plans?
By insurance premium reported for 2024, R. Torre & Company ($908,027), Peterson Holding Co. ($125,785), Ariat International, Inc. ($0) lead. 19 San Leandro employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in San Leandro?
By compensation reported by San Leandro employers, the largest brokers are Woodruff Sawyer ($638,465, 1 plans), Sequoia ($525,229, 4 plans), EPIC Insurance Brokers ($199,102, 4 plans). By medical premium, the largest carriers are The North River Insurance Company, Sutter Health Plan, Kaiser Foundation Health Plan of the Northwest.
Are San Leandro employer health plans self-funded or fully insured?
Of 19 San Leandro employer plans, 4 are fully insured, 0 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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