San Luis Obispo, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
26 employers in San Luis Obispo, California filed health plans with 100 or more participants for plan year 2024, covering 6,671 participants. They reported $129,338 in insurance premiums and $2.9M in broker commissions and fees. Against 2023, premiums were unchanged and broker pay rose 4.2%.
Funding: 12 fully insured · 3 self-funded · 11 mixed. 14 of 26 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in San Luis Obispo
San Luis Obispo employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Community Action Partnership of San Luis Obispo County, Inc. | $129,338 | $328,375 | 552 | Bolton Insurance Services LLC |
| Mindbody, Inc. | $0 | $123,555 | 1,004 | Willis Towers Watson |
| Lindamood-Bell Learning Processes | $0 | $247,097 | 539 | Marsh McLennan Agency |
| Sports Warehouse, Inc. | $0 | $48,752 | 529 | Morris & Garritano Insurance Agency |
| United Staffing Associates, LLC | $0 | $93,403 | 448 | Foundation Risk Partners |
| Central Coast Home Health, Inc. | $0 | $134,102 | 304 | Leavitt Group |
| Aviation Consultants, Inc. dba Aci Jet | $0 | $135,620 | 284 | Morris & Garritano Insurance Agency |
| Edge Autonomy Operations LLC | $0 | $173,479 | 269 | Kore Insurance Holdings, LLC |
| Team Movement for Life | $0 | $37,610 | 245 | Morris & Garritano Insurance Agency |
| Westpac Investments Inc. | $0 | $79,584 | 221 | Morris & Garritano Ins. Agency, Inc |
| Transitions-Mental Health Association | $0 | $78,893 | 200 | Morris & Garritano Ins Agency, Inc. |
| CB Automotive Group, Inc. | $0 | $93,424 | 198 | Morris and Garritano Insurance SVCS |
| Peoples Self Help Housing Corporation | $0 | $172,190 | 191 | Morris & Garritano Insurance Agency |
| Sesloc Credit Union | $0 | $258,552 | 182 | Morris & Garritano Insurance Agency |
| RRM Design Group, Inc. | $0 | $129,896 | 181 | Nielsen Insurance Group, Inc. |
| Morris & Garritano Insurance Agency, Inc. | $0 | — | 151 | Amwins Connect Insurance Services |
| Zoo Med Laboratories, Inc. | $0 | $91,315 | 129 | Morris & Garritano Insurance Agency |
| Cannon Corporation dba Cannon | $0 | $40,240 | 129 | Advocate Inc d/b/a Nava Benefits |
| 19six Architects | $0 | $116,916 | 122 | Morris & Garritano Insurance Agency |
| Trust Automation, Inc. | $0 | $81,324 | 120 | Morris & Garritano Insurance Agency |
| Ifixit | $0 | $58,897 | 119 | Morris & Garritano Insurance Agency |
| Empirical Systems Aerospace, Inc. | $0 | $78,444 | 114 | Morris & Garritano Insurance Agency |
| American West Worldwide Express, Inc. | $0 | $44,236 | 113 | Morris & Garritano Insurance Agency |
| Family Care Network, Inc. | $0 | $94,260 | 111 | Hedges Insurance Services LLC |
| Earth Systems, Inc. | $0 | $73,526 | 108 | Morris & Garritano Ins. Agency, Inc |
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 Luis Obispo employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Morris & Garritano Insurance Agency | $1,021,754 | 12 |
| Bolton Insurance Services LLC | $321,300 | 1 |
| Marsh McLennan Agency | $247,097 | 1 |
| Morris & Garritano Ins Agency, Inc. | $202,797 | 3 |
| Kore Insurance Holdings LLC | $161,426 | 1 |
| Leavitt Group | $134,106 | 2 |
| Emerson Rogers, LLC | $116,454 | 2 |
| Willis Towers Watson | $102,847 | 1 |
| Morris and Garritano Insurance SVCS | $87,501 | 1 |
| Foundation Risk Partners Corp | $84,360 | 1 |
Largest medical carriers
Medical premium written for these employers.
San Luis Obispo 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 Luis Obispo | California | United States | |
|---|---|---|---|
| Employer plans | 26 | 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 | $93,403 | $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, 25 San Luis Obispo employers reported $0 in premiums and $2.8M in broker pay for 6,762 participants; in 2024 it was $129,338 and $2.9M for 6,671 participants (broker pay +4.2%).
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 Luis Obispo employers pay health insurance brokers?
26 San Luis Obispo employers reported $2,877,311 in broker commissions and fees on their 2024 Form 5500 filings, 25 of them disclosing at least some compensation. Too few fully insured medical plans in San Luis Obispo 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 Luis Obispo employer that disclosed broker pay reported $93,403.
Which San Luis Obispo employers have the largest health plans?
By insurance premium reported for 2024, Community Action Partnership of San Luis Obispo County, Inc. ($129,338), Mindbody, Inc. ($0), Lindamood-Bell Learning Processes ($0) lead. 25 San Luis Obispo 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 Luis Obispo?
By compensation reported by San Luis Obispo employers, the largest brokers are Morris & Garritano Insurance Agency ($1.0M, 12 plans), Bolton Insurance Services LLC ($321,300, 1 plans), Marsh McLennan Agency ($247,097, 1 plans). By medical premium, the largest carriers are Blue of California, Kaiser Foundation Health Plan, Inc., California Physicians Service.
Are San Luis Obispo employer health plans self-funded or fully insured?
Of 26 San Luis Obispo employer plans, 12 are fully insured, 3 are self-funded and 11 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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