CEO and managing principal: Paul Hering.

Revenue: $77.0 million in 2010; $71.6 million in 2009.

No. of local employees: 200.

Headquarters: University Towne Center.

Year founded: 1909.

Company description: The largest San Diego health insurance agency, offering insurance, risk management and employee benefits solutions.

What makes the company innovative: Barney & Barney developed an online modeling tool that allows employers to project their medical premiums and contributions through 2018, taking into account the major provisions of federal health care reform.

Key factors for success: The company, with offices in San Diego, Orange County and the Bay Area, has a broad base of expertise, with specialists in an array of industries ranging from automotive to hospitality and life sciences.

Employers who think dropping health insurance for workers will save them big money in the new world of health care reform may have to reconsider their calculations...

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