San Rafael, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
19 employers in San Rafael, California filed health plans with 100 or more participants for plan year 2024, covering 6,383 participants. They reported $0 in insurance premiums and $2.5M in broker commissions and fees. Against 2023, premiums were unchanged and broker pay fell 16.8%.
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 Rafael
San Rafael employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| The Pasha Group | $0 | $442,161 | 959 | Alliant Insurance Services |
| North Bay Builders Exchanges, Inc. | $0 | $92,281 | 832 | Venbrook Insurance Services |
| Eah, Inc. | $0 | $200,283 | 790 | Filice Insurance Services LLC |
| Bay Area Community Resources | $0 | $247,360 | 709 | OneDigital |
| Lifehouse Agency | $0 | $91,839 | 353 | Heffernan |
| Dominican University of California | $0 | $80,320 | 323 | Filice Insurance Agency |
| Guide Dogs for the Blind, Inc. | $0 | $179,412 | 289 | Heffernan |
| The Kelleher Corporation | $0 | $226,911 | 280 | EPIC Insurance Brokers |
| Syufy Enterprises, LP | $0 | $8,066 | 255 | Alliant Insurance Services |
| Youth Enrichment Brands, LLC | $0 | $53,226 | 249 | Brown & Brown |
| Enterprise Events Group, Inc. | $0 | $170,800 | 234 | JSF Benefits, Inc. |
| Marin Sanitary Services | $0 | $175,039 | 181 | Filice Insurance Agency |
| Vivalon | $0 | $70,028 | 158 | Alliant Insurance Services |
| VCH Partners, Inc. dba Sol Food Restaurant | $0 | $14,114 | 148 | Foundation Risk Partners |
| The Dutra Group | $0 | $171,049 | 144 | James H Wickware |
| Community Action Marin | $0 | $106,599 | 139 | Heffernan |
| Barbier Security Group | $0 | $74,128 | 129 | Paychex Insurance Agency |
| Eo Products | $0 | $41,533 | 111 | Vita Insurance Associates, Inc. |
| Marin Airporter | $0 | $83,331 | 100 | Patriot Growth |
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 Rafael employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Alliant Insurance Services | $518,983 | 4 |
| Filice Insurance Services LLC | $428,633 | 3 |
| Heffernan | $377,850 | 3 |
| OneDigital | $229,257 | 1 |
| EPIC Insurance Brokers | $183,366 | 1 |
| JSF Benefits, Inc. | $129,505 | 1 |
| James H Wickware | $122,318 | 1 |
| Venbrook Insurance Services | $92,340 | 1 |
| Patriot Growth | $72,181 | 1 |
| Brown & Brown | $45,500 | 1 |
Largest medical carriers
Medical premium written for these employers.
San Rafael 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 Rafael | 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 | $92,281 | $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, 22 San Rafael employers reported $225,611 in premiums and $3.0M in broker pay for 6,680 participants; in 2024 it was $0 and $2.5M for 6,383 participants (broker pay −16.8%).
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 Rafael employers pay health insurance brokers?
19 San Rafael employers reported $2,528,480 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 Rafael 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 Rafael employer that disclosed broker pay reported $92,281.
Which San Rafael employers have the largest health plans?
By insurance premium reported for 2024, The Pasha Group ($0), North Bay Builders Exchanges, Inc. ($0), Eah, Inc. ($0) lead. 19 San Rafael 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 Rafael?
By compensation reported by San Rafael employers, the largest brokers are Alliant Insurance Services ($518,983, 4 plans), Filice Insurance Services LLC ($428,633, 3 plans), Heffernan ($377,850, 3 plans). By medical premium, the largest carriers are Sutter Health Plan, Kaiser Foundation Health Plan, Inc., California Physicians Service.
Are San Rafael employer health plans self-funded or fully insured?
Of 19 San Rafael 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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