California employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
6,836 California employers filed health plans with 100 or more participants for plan year 2024, covering 7,664,839 participants. They reported $2.6B in insurance premiums and $1.0B in broker commissions and fees. The median broker rate on commission-paying, fully insured medical plans was 4.0% of premium, 0.2 points above the national median of 3.8%.
Largest brokers
Reported commissions and fees, with the number of employer plans naming each.
Largest medical carriers
Medical premium written.
Cities in California
Every California city where 15 or more employers filed a health plan, by the sponsor's mailing address. Each page lists the city's largest plans, brokers and carriers.
Largest employer plans
By health plan participants.
Highest broker pay
Employers reporting the most broker commissions and fees.
Highest commission rates
Fully insured medical plans with at least $500,000 in premium, ranked by broker compensation as a share of premium.
| Employer | City | Rate | Broker pay |
|---|---|---|---|
| Medialab.Ai Inc | Los Angeles | 9.6% | $138,549 |
| Active Acquisition Partners LLC | San Francisco | 8.0% | $55,266 |
| Amity Foundation | Los Angeles | 7.6% | $684,313 |
| States Logistics Services, Inc. | Buena Park | 7.6% | $345,689 |
| Nksfb, LLC | Los Angeles | 7.5% | $488,227 |
| Crinetics Pharmaceuticals, Inc. | San Diego | 7.4% | $264,549 |
| Neudesic, LLC | Irvine | 7.0% | $387,569 |
| Lido Advisors, LLC | Los Angeles | 6.9% | $113,283 |
| Toyota of Orange, Inc. | Orange | 6.7% | $177,916 |
| Valley Power Systems, Inc. | City of Industry | 6.3% | $86,698 |
| Traliant Holdings LLC | Manhattan Beach | 6.3% | $71,987 |
| Home Franchise Concepts, LLC | Irvine | 5.8% | $207,521 |
| Cpe HR, Inc. Grace Drulias | Burbank | 5.7% | $3,840,965 |
| All One God Faith, Inc. | Vista | 5.5% | $119,364 |
| Kyriba Corporation | San Diego | 5.1% | $187,467 |
| Gap Inc. | San Francisco | 5.0% | $33,277 |
| Courtesy Automotive Group, Inc. | Chico | 4.8% | $33,961 |
| Habemco, LLC | Upper Lake | 4.5% | $94,243 |
| Southland Industries, Inc. | Garden Grove | 4.3% | $562,393 |
| Veryon | San Francisco | 4.2% | $59,609 |
| Terran Orbital Corporation | Irvine | 4.0% | $349,930 |
| Enki Health Services, Inc. | Burbank | 3.9% | $97,474 |
| J.G. Boswell Company | Pasadena | 3.7% | $221,488 |
| Rexford Industrial Realty, L.P. | Los Angeles | 3.6% | $72,580 |
| Tebra Technologies, Inc. | Corona del Mar | 3.5% | $136,293 |
Source: DOL Form 5500 and Schedule A, plan year 2024; built October 24, 2026. Methodology.
What do California employers pay health insurance brokers?
Across 48 fully insured medical plans in plan year 2024, among commission-paying fully insured medical plans, the median broker compensation for California employers was 4.0% of premium (middle half 0.6% to 6.3%), against a national median of 3.8%. In dollars, the median employer that disclosed broker pay reported $104,298.
Which California employers paid the most in broker commissions?
Cpe HR, Inc. Grace Drulias reported the most in 2024, $4,278,483, followed by The Permanente Medical Group, Inc. ($4.1M) and Southern California Permanente Medical Group ($4.0M).
Which brokers and carriers dominate California?
By reported compensation, the largest brokers are Marsh McLennan Agency, HUB International, Sequoia. By medical premium, the largest carriers are Cigna Health and Life Insurance Company, Anthem Blue Cross, Blue Cross Blue Shield of Florida.
Which California cities have the most employer health plans?
San Francisco (578 employer plans, $385M in premiums); Los Angeles (489 employer plans, $96M in premiums); San Diego (362 employer plans, $228M in premiums); Irvine (261 employer plans, $74M in premiums); San Jose (203 employer plans, $92M in premiums). 105 California cities with 15 or more employer plans have their own page listing the largest plans, brokers and carriers.
Is your company on this page? Get its Form 5500 read next to the 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.
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