For employers who sponsor a health plan
Before you renew, see what your plan already pays its broker.
You may not have an invoice for it. The commission sits inside the premium, and it's already in a public filing. Look up your company. Then see whether that number is in line with employers like yours.
Reviewing broker compensation annually? Insight Pass →
Search free — 10 companies without an account, 25 a month with a work email · How the numbers are built · Dataset refreshed monthly · last refresh October 7, 2026
If you don't pay a fee
You're still paying your broker. You just don't see the number.
When a broker is paid through carrier commissions and overrides, those dollars are baked into the premium you pay every month. There's no separate invoice, so it's easy to assume the service is free. It isn't. And volume-based bonuses can reward steering business toward the carrier that hits the broker's targets, not the one that fits you best.
See what premium-embedded pay really is →What you see
$0
Billed fee
What's actually inside your premium
Commissions + overrides
Paid by the carrier, priced into your rate. Already your money.
The problem
Employers have the number. They have no idea if it's normal.
The Consolidated Appropriations Act of 2021 already requires covered brokers and consultants to disclose qualifying direct and indirect compensation. That number may sit in a PDF without any market context. Unbrokered shows how the filed amount lines up with comparable plans.
Under ERISA section 408(b)(2), service-provider compensation must be reasonable, and plan fiduciaries need a prudent process for evaluating it. Most employers have no independent benchmark for that review. And because one blended number can hide a 15%-of-premium line inside a 4% plan, Unbrokered benchmarks each benefit line against its own peer distribution.
Loading the benchmark…
A real filing
This plan looks perfectly normal. It isn't.
SCOTLAND HEALTH CARE SYSTEM sits at the peer median for employer-paid/core broker compensation — 7th highest of 13 comparable plans (your plan plus 12 peers). Nothing in that number asks to be questioned.
Three benefit lines tell a different story:
| Benefit line | Rate | Peer median |
|---|---|---|
| Long-term disability | 21.0% | 10.9% |
| Short-term disability | 20.9% | 12.0% |
| Life | 21.1% | 11.9% |
Together those three lines run $72,173 a year above peer-median rates — about 44% of this plan's employer-paid broker pay, invisible in the total.
Its CAA disclosure would have shown a normal-looking number too.
See the full profile →How it works
From public filing to a number you can take to committee.
Verify your work email
A magic link confirms control of your work email. Your role and authority are self-attested; no password or sales call.
Confirm or share your broker data
If your plan is in public filings, we show you what we already know. If not, a few focused questions.
See your market position
A peer-benchmarked percentile with n and source on every cut, then optional steps to sharpen your renewal prep, including a peer compensation comparison.
- Form 5500 filings analyzed
- 360,000+
- plan sponsors on file
- 82,000+
- broker compensation records
- 1.8M+
- plan years benchmarked
- 2021–2024
Why you can trust it
Don't take our word for it. Check the filing.
Every public benchmark figure traces to a Form 5500 filed with the U.S. Department of Labor, and every company page links to the government filing source. Employer-provided current figures are labeled separately and never enter broker peer cells.
- Form 5500 (broker side). Schedule A reports carrier commissions on insured contracts; Schedule C can identify service providers receiving at least $5,000 in reportable compensation. Coverage varies by plan and filing, and missing data is labeled rather than treated as zero.
- Minimum sample sizes. No benchmark displays unless your peer group has at least 10 employers. When it doesn't, we broaden the scope and tell you exactly how.
- Every number is sourced. No unexplained statistics. Each figure carries a footnote and a traceable source.
Why you can take us at our word
Paid by employers. Never by brokers or carriers.
Unbrokered is designed for the people who sign the renewal and answer for the cost. The benchmark is funded by report and research-access purchases at public prices, never by commissions, referral fees, or paid placement from the brokers, carriers, PBMs, or vendors whose data appears in it.
The independence pledge
- No commissions, referral fees, sponsorships, or paid placement from brokers, carriers, PBMs, or vendors. Anyone can buy the same research access at the same public price; buying it never changes a number.
- No lead sales. What you look up is never shared with the firms you look up.
- No paid placement. No firm can buy a better position or a softer number.
- The same method for every plan, with the sample size and source on every figure.
- Paid only by the employers and professionals who use the data.
- Your documents stay private. Anything you upload is encrypted in transit and at rest, kept in a private vault scoped to your account, and used only to produce your analysis. Delete it anytime.
- Vendor-neutral remedies. When we point to fixes, we show categories of options, never a single CTA to one vendor. You stay in control of the decision.
The fiduciary register
A reasonable fee is a fiduciary's call. Now you can show your work.
Plan fiduciaries are responsible for making sure what the plan pays its broker is reasonable. Most have never seen what reasonable looks like. Unbrokered shows you where your broker's compensation sits against peer employers and gives you a dated, sourced record for your file.
See where your plan stands →Pricing
Review your plan each year, or take the PDF for one company.
Insight Pass is the annual benchmark for a self-insured plan sponsor. Fee-only consultants, ERISA counsel, and researchers use the same seat. The $199 report is the committee-ready PDF for one EIN.
For self-insured plan sponsors
Insight Pass
$299 per seat
Founding price
The ongoing annual benchmark of your plan's broker compensation, with each year's review kept in your account. 12 months, one-time, one named user; no auto-renewal.
See Insight Pass →For one company
Broker Compensation Benchmark Report
$199 one-time
The committee-ready PDF for one EIN, plus 12 months of live profile access for that company.
See the report →- Search is free, and employers can unlock their own percentile by sharing plan basics.
- Heading into renewal? Renewal Readiness is a four-month workspace built on the report, from $1,999. Renewal Readiness →