Tustin, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
25 employers in Tustin, California filed health plans with 100 or more participants for plan year 2024, covering 14,834 participants. They reported $1.6M in insurance premiums and $5.4M in broker commissions and fees. Against 2023, premiums were up 37.9% and broker pay fell 2.2%.
Funding: 4 fully insured · 0 self-funded · 21 mixed. 21 of 25 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Tustin
Tustin employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Schoolsfirst Federal Credit Union | $1,089,579 | $714,135 | 2,897 | Mercer |
| Huddl3 Group | $442,253 | $342,523 | 1,058 | Willis Towers Watson |
| Watg Holdings, Inc. | $107,420 | $141,470 | 192 | Relation Insurance |
| New American Funding, LLC | $0 | $536,177 | 2,449 | Kenneth Dale Stark |
| Liberty Dental Plan Corporation | $0 | $137,255 | 1,179 | Segal |
| Canon Medical Systems USA, Inc. | $0 | $423,278 | 1,106 | Mercer |
| Virgin Galactic, LLC | $0 | $186,302 | 1,031 | Willis Towers Watson |
| Tricon American Homes | $0 | $680,377 | 801 | Marsh McLennan Agency |
| M.C. LLC | $0 | $131,302 | 556 | Marsh McLennan Agency |
| Happy Money, Inc. | $0 | $197,680 | 458 | The Baldwin Group |
| Avid Bioservices | $0 | $270,562 | 370 | Marsh McLennan Agency |
| Justfoodfordogs | $0 | $88,746 | 322 | Cottingham and Butler Ins SVCS LLC |
| Largo Concrete Inc. | $0 | $340,891 | 321 | OneDigital |
| B.S.D. Capital, Inc. | $0 | $213,389 | 289 | OneDigital |
| YMCA of Orange County | $0 | $71,968 | 259 | Marsh McLennan Agency |
| Logomark, Inc. | $0 | $57,588 | 243 | HUB International |
| PB &J Automotive, Inc. dba Tustin Mazda | $0 | $114,780 | 235 | OneDigital |
| Kingdomway USA Corp | $0 | $174,790 | 204 | HUB International |
| Port View Preparatory, Inc. | $0 | $72,175 | 184 | Gamie, LLC |
| Families Together of Orange County | $0 | $159,322 | 137 | Rodrigo Dominguez |
| Etekcity Corporation | $0 | $111,486 | 127 | The Baldwin Group |
| Premier Food Concepts, LLC | $0 | $50,628 | 105 | Marsh McLennan Agency |
| Specright, Inc. | $0 | $23,489 | 105 | Patriot Growth |
| Inxile Entertainment, Inc. | $0 | $105,962 | 105 | Burnham Benefits |
| Design West Technologies, Inc. | $0 | $81,825 | 101 | 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 Tustin employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Marsh McLennan Agency | $1,182,603 | 6 |
| Mercer | $1,130,782 | 2 |
| OneDigital | $646,161 | 3 |
| Kenneth Dale Stark | $510,594 | 1 |
| Willis Towers Watson | $422,959 | 2 |
| HUB International | $363,763 | 4 |
| The Baldwin Group | $292,182 | 3 |
| Relation Insurance | $140,755 | 1 |
| Burnham Benefits | $116,734 | 3 |
| Rodrigo Dominguez | $112,973 | 1 |
Largest medical carriers
Medical premium written for these employers.
Tustin 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.
| Tustin | California | United States | |
|---|---|---|---|
| Employer plans | 25 | 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 | $141,470 | $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, 25 Tustin employers reported $1.2M in premiums and $5.5M in broker pay for 19,832 participants; in 2024 it was $1.6M and $5.4M for 14,834 participants (premiums +37.9%, broker pay −2.2%).
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 Tustin employers pay health insurance brokers?
25 Tustin employers reported $5,428,100 in broker commissions and fees on their 2024 Form 5500 filings, 25 of them disclosing at least some compensation. Too few fully insured medical plans in Tustin 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 Tustin employer that disclosed broker pay reported $141,470.
Which Tustin employers have the largest health plans?
By insurance premium reported for 2024, Schoolsfirst Federal Credit Union ($1.1M), Huddl3 Group ($442,253), Watg Holdings, Inc. ($107,420) lead. 25 Tustin employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Tustin?
By compensation reported by Tustin employers, the largest brokers are Marsh McLennan Agency ($1.2M, 6 plans), Mercer ($1.1M, 2 plans), OneDigital ($646,161, 3 plans). By medical premium, the largest carriers are Unitedhealthcare Insurance Company, California Physicians Service, Kaiser Foundation Health Plan, Inc..
Are Tustin employer health plans self-funded or fully insured?
Of 25 Tustin employer plans, 4 are fully insured, 0 are self-funded and 21 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
Is your company on this page? Get its Form 5500 read next to the Tustin, California medians.
Tell us the company and a specialist writes up what the public Form 5500 record shows for it, if it files one: broker pay against the medians above, fee disclosure and filing timeliness, in a form you can forward to your CFO or counsel. Tick the box if you also want a 15-minute walkthrough call.
We don't sell your email. By submitting, you agree that BenefitsLedger and its benefits advisory partner, WellthCare, may email or call you about these findings. Opt out anytime by replying. See our privacy policy.