San Ramon, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
32 employers in San Ramon, California filed health plans with 100 or more participants for plan year 2024, covering 80,061 participants. They reported $15M in insurance premiums and $8.4M in broker commissions and fees. Against 2023, premiums were up 686.2% and broker pay rose 1.5%.
Funding: 3 fully insured · 2 self-funded · 27 mixed. 29 of 32 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in San Ramon
San Ramon employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Five9, Inc. | $14,737,019 | $111,326 | 1,616 | Alliant Insurance Services |
| Dialpad, Inc. | $394,952 | $518,403 | 545 | Abd Ins. and Financial SVCS., Inc. |
| Surplus Line Association of California | $321,203 | $178,752 | 148 | Sequoia |
| Rodan & Fields Beauty, LLC | $37,145 | $50,033 | 277 | Sequoia |
| Sunset Development Company | $3,582 | $77,989 | 111 | HUB International |
| Chevron Corporation | $0 | $874,191 | 36,668 | Mercer |
| Robert Half Inc. | $0 | $1,500,562 | 17,325 | Lockton |
| The Cooper Companies | $0 | $334,131 | 3,991 | Piper Jordan Health & Benefits, LLC |
| Chevron Stations Inc. | $0 | $532,706 | 3,219 | Mercer |
| CMG Financial Services | $0 | $829,507 | 3,173 | Willis Towers Watson |
| Armanino LLP | $0 | $332,764 | 2,598 | Heffernan |
| Mott Macdonald Group, Inc. | $0 | $232,229 | 1,781 | EPIC Insurance Brokers |
| Northern California Sheet Metal Workers Health Care Plan | $0 | — | 1,435 | — |
| Arc Document Solutions, LLC | $0 | $180,817 | 1,299 | EPIC Insurance Brokers |
| Devil Mountain Wholesale Nursery, Inc. | $0 | $143,741 | 685 | James R. Nelligan & Associates |
| Chevron Mining Inc. | $0 | — | 672 | — |
| Primed Management Consulting Services, Inc. | $0 | $27,878 | 661 | Willis Towers Watson |
| Blackberry Corporation | $0 | $26,877 | 610 | Acrisure |
| Donor Network West | $0 | $275,160 | 410 | Filice Insurance Agency, LLC |
| Sensiba LLP | $0 | $221,617 | 408 | RSC Insurance Brokerage, Inc. |
| Grid Dynamics Holdings, Inc. | $0 | $535,746 | 309 | OneDigital |
| Reputation.Com, Inc. | $0 | $284,797 | 294 | Sequoia |
| Accela, Inc. | $0 | $118,666 | 293 | Abd Ins. and Financial SVCS., Inc. |
| Mason-Mcduffie Mortgage Corporation | $0 | $194,542 | 280 | HUB International |
| Lumin Digital | $0 | $336,477 | 211 | Bennie Insurance, LLC |
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 Ramon employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Lockton | $1,466,795 | 2 |
| Mercer | $1,412,571 | 4 |
| Willis Towers Watson | $855,111 | 2 |
| OneDigital | $798,381 | 6 |
| Abd Ins. and Financial SVCS., Inc. | $663,639 | 3 |
| Sequoia | $513,582 | 3 |
| EPIC Insurance Brokers | $412,930 | 2 |
| HUB International | $376,125 | 3 |
| Heffernan | $332,764 | 1 |
| Bennie Insurance, LLC | $237,951 | 1 |
Largest medical carriers
Medical premium written for these employers.
San Ramon 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 Ramon | California | United States | |
|---|---|---|---|
| Employer plans | 32 | 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 | $179,785 | $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, 34 San Ramon employers reported $2.0M in premiums and $8.2M in broker pay for 77,865 participants; in 2024 it was $15M and $8.4M for 80,061 participants (premiums +686.2%, broker pay +1.5%).
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 Ramon employers pay health insurance brokers?
32 San Ramon employers reported $8,369,263 in broker commissions and fees on their 2024 Form 5500 filings, 30 of them disclosing at least some compensation. Too few fully insured medical plans in San Ramon 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 Ramon employer that disclosed broker pay reported $179,785.
Which San Ramon employers have the largest health plans?
By insurance premium reported for 2024, Five9, Inc. ($15M), Dialpad, Inc. ($394,952), Surplus Line Association of California ($321,203) lead. 25 San Ramon 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 Ramon?
By compensation reported by San Ramon employers, the largest brokers are Lockton ($1.5M, 2 plans), Mercer ($1.4M, 4 plans), Willis Towers Watson ($855,111, 2 plans). By medical premium, the largest carriers are Cigna Health and Life Insurance Company, Blue Cross of California, Kaiser Foundation Health Plan, Inc..
Are San Ramon employer health plans self-funded or fully insured?
Of 32 San Ramon employer plans, 3 are fully insured, 2 are self-funded and 27 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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