Vista, California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
23 employers in Vista, California filed health plans with 100 or more participants for plan year 2024, covering 5,821 participants. They reported $2.4M in insurance premiums and $2.3M in broker commissions and fees. Against 2023, premiums were down 9.2% and broker pay rose 0.5%.
Funding: 11 fully insured · 2 self-funded · 10 mixed. 12 of 23 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Vista
Vista employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| All One God Faith, Inc. | $2,446,381 | $160,490 | 327 | Pacific Standard Insurance Services |
| Altman Specialty Plants, LLC | $0 | $548,130 | 1,466 | Gallagher |
| Vista Community Clinic | $0 | $443,244 | 744 | HUB International |
| Plug Connection, LLC | $0 | $50,146 | 265 | Gallagher |
| The Crowley Car Company Dealership Group | $0 | $46,958 | 260 | Marsh McLennan Agency |
| Western Concrete Pumping, Inc. | $0 | $40,621 | 249 | Lockton |
| Newrocket, LLC | $0 | $136,342 | 201 | Mercer |
| Western CNC, Inc. | $0 | $38,943 | 185 | Morrison Insurance Services, Inc. |
| DDH Enterprise, Inc. | $0 | $82,108 | 180 | SCF Insurance Services Inc |
| Show Imaging Inc | $0 | $110,295 | 177 | Alliant Insurance Services |
| Exagen, Inc. | $0 | — | 175 | — |
| Call Grocery Inc | $0 | $25,664 | 175 | AssuredPartners |
| Children's Paradise, Inc. | $0 | $80,334 | 150 | Marsh McLennan Agency |
| Semco Management, Inc. | $0 | $43,978 | 148 | Flynn & Piel Insurance Services LLC |
| Swarco McCain, Inc. | $0 | $91,800 | 148 | Verus Insurance Services LLC |
| Spa Havens, LLC dba Cal-A-Vie | $0 | $63,114 | 133 | Marsh McLennan Agency |
| Lifeline Community Services | $0 | $67,668 | 129 | Marsh McLennan Agency |
| Industrial Commercial Systems, Inc. | $0 | $69,103 | 124 | USI Insurance Services |
| Killion Industries, Inc. | $0 | $26,965 | 123 | Alliant Insurance Services |
| LSH GRP, LLC | $0 | — | 123 | — |
| Earthlite, LLC | $0 | $44,117 | 117 | HUB International |
| Community Interface Services | $0 | $60,923 | 113 | HUB International |
| Certified Folder Display Service, Inc. | $0 | $41,128 | 109 | Gallagher |
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 Vista employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Gallagher | $639,404 | 3 |
| HUB International | $521,723 | 3 |
| Marsh McLennan Agency | $197,630 | 4 |
| Pacific Standard Insurance Services | $160,490 | 1 |
| Mercer | $136,342 | 1 |
| Alliant Insurance Services | $95,178 | 2 |
| Verus Insurance Services, LLC | $87,929 | 1 |
| USI Insurance Services | $69,138 | 2 |
| SCF Insurance Services Inc | $67,872 | 1 |
| Flynn & Piel Insurance Services LLC | $43,978 | 1 |
Largest medical carriers
Medical premium written for these employers.
Vista 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.
| Vista | California | United States | |
|---|---|---|---|
| Employer plans | 23 | 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 | $63,114 | $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, 24 Vista employers reported $2.7M in premiums and $2.3M in broker pay for 5,870 participants; in 2024 it was $2.4M and $2.3M for 5,821 participants (premiums −9.2%, broker pay +0.5%).
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 Vista employers pay health insurance brokers?
23 Vista employers reported $2,272,071 in broker commissions and fees on their 2024 Form 5500 filings, 21 of them disclosing at least some compensation. Too few fully insured medical plans in Vista 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 Vista employer that disclosed broker pay reported $63,114.
Which Vista employers have the largest health plans?
By insurance premium reported for 2024, All One God Faith, Inc. ($2.4M), Altman Specialty Plants, LLC ($0), Vista Community Clinic ($0) lead. 23 Vista employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Vista?
By compensation reported by Vista employers, the largest brokers are Gallagher ($639,404, 3 plans), HUB International ($521,723, 3 plans), Marsh McLennan Agency ($197,630, 4 plans). By medical premium, the largest carriers are Cigna Health and Life Insurance Company, Sharp Health Plan, Simnsa.
Are Vista employer health plans self-funded or fully insured?
Of 23 Vista employer plans, 11 are fully insured, 2 are self-funded and 10 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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