Torrance, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
81 employers in Torrance, California filed health plans with 100 or more participants for plan year 2024, covering 35,846 participants. They reported $41M in insurance premiums and $13M in broker commissions and fees. Against 2023, premiums were up 1.1% and broker pay rose 3.7%.
Funding: 32 fully insured · 11 self-funded · 38 mixed. 49 of 81 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Torrance
Torrance employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Torrance Health Association | $38,069,727 | $585,769 | 3,720 | Keenan & Associates |
| Herbalife International of America Inc | $1,581,697 | $155,461 | 2,516 | PCF Insurance Services of the West |
| Wdi International, Inc | $664,055 | $94,514 | 211 | OneDigital |
| Providence Medical Associates, Inc. | $547,860 | $335,578 | 190 | OneDigital |
| Unify Financial Federal Credit Union | $70,556 | $518,717 | 477 | Alliant Insurance Services |
| Social Vocational Services, Inc. | $0 | $123,113 | 1,950 | Gallagher |
| King's Hawaiian Holding Company, Inc. | $0 | $59,851 | 1,690 | Custom Benefit Consultants, Inc. |
| Lisi Holding North America, Inc. | $0 | $149,548 | 1,659 | Nixon Benefits |
| The Act 1 Group, Inc. | $0 | $1,156,291 | 1,578 | The Baldwin Group |
| Pelican Products, Inc. | $0 | $217,556 | 1,365 | Lockton |
| Robinson Helicopter Co. | $0 | $64,614 | 1,154 | Warner Pacific Insurance Services I |
| Partner Assessment Corporation | $0 | $21,232 | 993 | Alliant Insurance Services |
| Carparts.Com, Inc. | $0 | $343,790 | 976 | EPIC Insurance Brokers |
| Stellant Systems | $0 | $276,997 | 969 | Lockton |
| Wash Multifamily Laundry Systems | $0 | $111,420 | 946 | Lockton |
| Virco MFG Corporation | $0 | $407,389 | 770 | USI Insurance Services |
| Sprout Ii Investments, LLC | $0 | $132,203 | 609 | Brown & Brown |
| Sonsray, Inc. | $0 | $79,218 | 606 | IMA Financial |
| FNS, Inc. | $0 | $63,519 | 602 | Insurance Office of America, Inc. |
| Lundquist Institute for Biomedical Innovation at Harbor-Ucla Medical C | $0 | $171,710 | 503 | Gallagher |
| Unified Care Services | $0 | $218,253 | 467 | Acrisure |
| Advanced Fresh Concepts Corporation | $0 | $286,787 | 441 | CDS Insurance Services |
| Singer Vehicle Design LLC | $0 | $402,302 | 396 | Heffernan |
| Ep Wealth Advisors Admin, LLC | $0 | $335,467 | 395 | Marsh McLennan Agency |
| Motorcar Parts of America, Inc. | $0 | $330,954 | 393 | 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 Torrance employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Alliant Insurance Services | $1,013,639 | 5 |
| OneDigital | $969,803 | 6 |
| Gallagher | $830,140 | 9 |
| HUB International | $740,422 | 7 |
| The Baldwin Group | $711,307 | 4 |
| Lockton | $664,459 | 5 |
| USI Insurance Services | $654,929 | 5 |
| Keenan & Associates | $506,158 | 1 |
| Burnham Benefits | $498,362 | 7 |
| EPIC Insurance Brokers | $473,496 | 2 |
Largest medical carriers
Medical premium written for these employers.
Torrance 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.
| Torrance | California | United States | |
|---|---|---|---|
| Employer plans | 81 | 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 | $110,709 | $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, 83 Torrance employers reported $41M in premiums and $12M in broker pay for 35,163 participants; in 2024 it was $41M and $13M for 35,846 participants (premiums +1.1%, broker pay +3.7%).
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 Torrance employers pay health insurance brokers?
81 Torrance employers reported $12,621,297 in broker commissions and fees on their 2024 Form 5500 filings, 80 of them disclosing at least some compensation. Too few fully insured medical plans in Torrance 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 Torrance employer that disclosed broker pay reported $110,709.
Which Torrance employers have the largest health plans?
By insurance premium reported for 2024, Torrance Health Association ($38M), Herbalife International of America Inc ($1.6M), Wdi International, Inc ($664,055) lead. 25 Torrance employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Torrance?
By compensation reported by Torrance employers, the largest brokers are Alliant Insurance Services ($1.0M, 5 plans), OneDigital ($969,803, 6 plans), Gallagher ($830,140, 9 plans). By medical premium, the largest carriers are Anthem Blue Cross, University Health Alliance, Blue Cross of California.
Are Torrance employer health plans self-funded or fully insured?
Of 81 Torrance employer plans, 32 are fully insured, 11 are self-funded and 38 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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