Santa Rosa, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
35 employers in Santa Rosa, California filed health plans with 100 or more participants for plan year 2024, covering 16,461 participants. They reported $659,629 in insurance premiums and $3.9M in broker commissions and fees. Against 2023, premiums were up 442.4% and broker pay fell 7.9%.
Funding: 4 fully insured · 3 self-funded · 28 mixed. 31 of 35 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Santa Rosa
Santa Rosa employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Sutter Medical Group of the Redwoods | $531,092 | $153,550 | 124 | Woodruff Sawyer |
| Redwood Credit Union | $88,861 | $66,460 | 847 | OneDigital |
| Board of Trustees, Redwood Empire Electrical Workers | $39,676 | $102,037 | 521 | EPIC Insurance Brokers |
| Keysight Technologies, Inc. | $0 | $70,226 | 5,267 | Willis Towers Watson |
| Jackson Family Enterprises | $0 | $552,039 | 1,801 | Liberty Company Insurance Brokers |
| Sonic.Net, LLC | $0 | $281,509 | 756 | OneDigital |
| Maass Corporation SPC | $0 | — | 719 | — |
| Foley Family Wines, Inc. | $0 | $164,308 | 578 | CBIZ |
| Santa Rosa Community Health Centers | $0 | $245,819 | 514 | Relation Insurance |
| G & C Auto Body, Inc. | $0 | $153,916 | 454 | The Liberty Co Ins Broker, LLC |
| Exchange Bank | $0 | $7,249 | 380 | USI Insurance Services |
| McF4 Solutions, LLC | $0 | — | 378 | — |
| Sonoma County Deputy Sheriffs Assn. Redwood Empire Public Safety | $0 | — | 376 | — |
| Provident Funding Associates, LP | $0 | $184,699 | 310 | Bay Health Insurance Agency, Inc. |
| Providence Medical Group, Northern California | $0 | $474,128 | 301 | Karen Haigh |
| Canine Companions for Independence | $0 | $52,992 | 257 | Patriot Growth |
| Nation's Finest | $0 | $64,145 | 215 | Relation Insurance |
| Freeman Motors Inc. | $0 | $60,607 | 196 | AssuredPartners |
| Northwest General Engineering | $0 | $64,583 | 190 | RSC Insurance Brokerage, Inc. |
| Poppy Bank | $0 | $168,056 | 187 | Patriot Growth |
| Burbank Housing Development Corporation | $0 | $114,411 | 184 | RSC Insurance Brokerage, Inc. |
| George Petersen Insurance Agency, Inc. | $0 | $148,821 | 175 | George Petersen Insurance |
| Atech Logistics and Distribution, Inc. | $0 | $28,619 | 173 | George Petersen Insurance Agency |
| Blue Star Gas | $0 | $161,083 | 169 | HUB International |
| Community Child Care Council of Sonoma County, Inc. | $0 | $54,835 | 157 | RSC Insurance Brokerage, 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 Santa Rosa employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Liberty Company Insurance Brokers | $552,039 | 1 |
| OneDigital | $493,838 | 3 |
| Relation Insurance | $372,284 | 3 |
| Patriot Growth | $306,579 | 3 |
| Karen Haigh | $293,245 | 1 |
| RSC Insurance Brokerage, Inc. | $285,867 | 5 |
| CBIZ | $164,308 | 1 |
| HUB International | $161,083 | 1 |
| George Petersen Insurance Agency | $160,199 | 3 |
| The Liberty Co Ins Broker, LLC | $153,916 | 1 |
Largest medical carriers
Medical premium written for these employers.
Santa Rosa 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.
| Santa Rosa | California | United States | |
|---|---|---|---|
| Employer plans | 35 | 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 | $65,522 | $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, 38 Santa Rosa employers reported $121,608 in premiums and $4.2M in broker pay for 17,350 participants; in 2024 it was $659,629 and $3.9M for 16,461 participants (premiums +442.4%, broker pay −7.9%).
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 Santa Rosa employers pay health insurance brokers?
35 Santa Rosa employers reported $3,889,677 in broker commissions and fees on their 2024 Form 5500 filings, 32 of them disclosing at least some compensation. Too few fully insured medical plans in Santa Rosa 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 Santa Rosa employer that disclosed broker pay reported $65,522.
Which Santa Rosa employers have the largest health plans?
By insurance premium reported for 2024, Sutter Medical Group of the Redwoods ($531,092), Redwood Credit Union ($88,861), Board of Trustees, Redwood Empire Electrical Workers ($39,676) lead. 25 Santa Rosa employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Santa Rosa?
By compensation reported by Santa Rosa employers, the largest brokers are Liberty Company Insurance Brokers ($552,039, 1 plans), OneDigital ($493,838, 3 plans), Relation Insurance ($372,284, 3 plans). By medical premium, the largest carriers are Blue Cross of California, Kaiser Foundation Health Plan, Inc., Cigna Health and Life Insurance Company.
Are Santa Rosa employer health plans self-funded or fully insured?
Of 35 Santa Rosa employer plans, 4 are fully insured, 3 are self-funded and 28 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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