Temecula, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
16 employers in Temecula, California filed health plans with 100 or more participants for plan year 2024, covering 9,699 participants. They reported $1.9M in insurance premiums and $4.1M in broker commissions and fees. Against 2023, premiums were up 5.1% and broker pay rose 12.4%.
Funding: 7 fully insured · 1 self-funded · 8 mixed. 9 of 16 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Temecula
Temecula employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Pechanga Development Corporation | $1,838,783 | $844,261 | 2,579 | Willis Towers Watson |
| Opto 22 | $91,404 | $62,613 | 136 | Gallagher |
| Freedom Forever, LLC | $0 | $899,486 | 2,675 | Milestone Insurance Brokers Inc |
| Cryogenic Industries, Inc. | $0 | $453,234 | 720 | USI Insurance Services |
| FFF Enterprises, Inc. | $0 | $504,062 | 641 | EPIC Insurance Brokers |
| M & N Dealerships X LLC | $0 | $368,006 | 634 | EPIC Insurance Brokers |
| Southwest Traders, Inc. | $0 | $39,895 | 487 | Cottingham & Butler Insurance |
| Z-Golf Food & Beverage | $0 | $180,014 | 371 | HUB International |
| Rancho Health MSO, Inc | $0 | $142,436 | 361 | Aon |
| Perceptyx, Inc. | $0 | $109,944 | 291 | IMA Financial |
| Jones Blumenthal LLC dba Mercedes Benz of Temecula | $0 | $146,820 | 222 | Benefits America Insurance Services |
| The Garmon Corporation dba Naturvet | $0 | $91,189 | 133 | IMA Financial |
| Linfield Christian Schools | $0 | $69,838 | 126 | HUB International |
| Pechanga Resorts Incorporated | $0 | $36,058 | 114 | Willis Towers Watson |
| Skorpios Technologies | $0 | $68,180 | 106 | Aon |
| Wilson Creek Winery & Vineyards, Inc. | $0 | $38,305 | 103 | Marsh McLennan Agency |
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 Temecula employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Milestone Insurance Brokers Inc | $741,709 | 1 |
| Willis Towers Watson | $717,105 | 2 |
| EPIC Insurance Brokers | $677,011 | 2 |
| USI Insurance Services | $429,109 | 1 |
| HUB International | $231,382 | 3 |
| Gallagher | $216,654 | 3 |
| Aon | $192,165 | 2 |
| IMA Financial | $181,804 | 2 |
| Marsh McLennan Agency | $164,602 | 4 |
| The Orientation Company, Inc. | $157,777 | 1 |
Largest medical carriers
Medical premium written for these employers.
Temecula 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.
| Temecula | 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 | $126,190 | $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, 16 Temecula employers reported $1.8M in premiums and $3.6M in broker pay for 9,617 participants; in 2024 it was $1.9M and $4.1M for 9,699 participants (premiums +5.1%, broker pay +12.4%).
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 Temecula employers pay health insurance brokers?
16 Temecula employers reported $4,054,341 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 Temecula 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 Temecula employer that disclosed broker pay reported $126,190.
Which Temecula employers have the largest health plans?
By insurance premium reported for 2024, Pechanga Development Corporation ($1.8M), Opto 22 ($91,404), Freedom Forever, LLC ($0) lead. 16 Temecula employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Temecula?
By compensation reported by Temecula employers, the largest brokers are Milestone Insurance Brokers Inc ($741,709, 1 plans), Willis Towers Watson ($717,105, 2 plans), EPIC Insurance Brokers ($677,011, 2 plans). By medical premium, the largest carriers are Blue Cross of California, Unitedhealthcare Insurance Company, Cigna Health and Life Insurance Company.
Are Temecula employer health plans self-funded or fully insured?
Of 16 Temecula employer plans, 7 are fully insured, 1 are self-funded and 8 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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