San Marcos, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
16 employers in San Marcos, California filed health plans with 100 or more participants for plan year 2024, covering 10,793 participants. They reported $114,448 in insurance premiums and $1.9M in broker commissions and fees. Against 2023, premiums were up 13.6% and broker pay rose 0.8%.
Funding: 8 fully insured · 1 self-funded · 7 mixed. 8 of 16 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in San Marcos
San Marcos employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Lusardi Construction Company | $114,448 | $36,227 | 172 | Abd Ins. and Financial SVCS., Inc. |
| University of ST. Augustine for Health Sciences | $0 | $62,880 | 5,076 | Lockton |
| Edco Disposal Corporation | $0 | $86,679 | 1,285 | Stanley E Caplan |
| Hunter Industries Inc. | $0 | $366,927 | 1,201 | Marsh McLennan Agency |
| North County Health Project, Inc. | $0 | $363,590 | 780 | HUB International |
| San Diego Farms, LLC | $0 | $74,798 | 422 | Insurance Office of America |
| Fluid Components International LLC | $0 | $114,826 | 271 | Kingbenefits Insurance Solutions |
| Diamond Environmental Services, LP | $0 | $74,268 | 259 | AssuredPartners |
| Healthsmart Management Services Organization Inc | $0 | $215,196 | 247 | Jacaranda Insurance Agency Inc |
| Hollandia Dairy, Inc. | $0 | $35,925 | 196 | Pickering Insurance Services, Inc. |
| Paramount Transportation Systems, Inc. | $0 | $99,618 | 190 | HUB International |
| Hughes Circuits, Inc. | $0 | $80,979 | 168 | Marsh McLennan Agency |
| Prime Electrical Services, Inc. | $0 | $96,941 | 153 | Champion Risk |
| Hokto Kinoko Company | $0 | $47,543 | 137 | The Liberty Co Insurance Brokers |
| Rev Agency, LLC | $0 | $59,243 | 136 | Marsh McLennan Agency |
| Mountain Shadows Support Group, Inc. | $0 | $50,072 | 100 | HUB International |
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 Marcos employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Marsh McLennan Agency | $518,947 | 4 |
| HUB International | $493,822 | 3 |
| Jacaranda Insurance Agency Inc | $199,739 | 1 |
| Kingbenefits Insurance Solutions | $93,483 | 1 |
| Champion Benefits | $80,144 | 1 |
| Insurance Office of America | $74,448 | 1 |
| Lockton | $62,880 | 1 |
| AssuredPartners | $62,470 | 1 |
| Stanley E Caplan | $49,560 | 1 |
| Abd Ins. and Financial SVCS., Inc. | $36,227 | 1 |
Largest medical carriers
Medical premium written for these employers.
San Marcos 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 Marcos | California | United States | |
|---|---|---|---|
| Employer plans | 16 | 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 | $77,889 | $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, 17 San Marcos employers reported $100,744 in premiums and $1.9M in broker pay for 11,187 participants; in 2024 it was $114,448 and $1.9M for 10,793 participants (premiums +13.6%, broker pay +0.8%).
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 Marcos employers pay health insurance brokers?
16 San Marcos employers reported $1,865,712 in broker commissions and fees on their 2024 Form 5500 filings, 16 of them disclosing at least some compensation. Too few fully insured medical plans in San Marcos 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 Marcos employer that disclosed broker pay reported $77,889.
Which San Marcos employers have the largest health plans?
By insurance premium reported for 2024, Lusardi Construction Company ($114,448), University of ST. Augustine for Health Sciences ($0), Edco Disposal Corporation ($0) lead. 16 San Marcos 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 Marcos?
By compensation reported by San Marcos employers, the largest brokers are Marsh McLennan Agency ($518,947, 4 plans), HUB International ($493,822, 3 plans), Jacaranda Insurance Agency Inc ($199,739, 1 plans). By medical premium, the largest carriers are Kaiser Foundation Health Plan, Inc., Aetna Health, Inc., Aetna Life Insurance Company.
Are San Marcos employer health plans self-funded or fully insured?
Of 16 San Marcos employer plans, 8 are fully insured, 1 are self-funded and 7 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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