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NATIONAL GRID USA SERVICE COMPANY, INC.

EIN 04-1663150 · NY · Other

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Compensation disclosed10 brokers of record, 2021–2024As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.
Employer-paid broker pay2024 · analysis: $1,723,5122023: $1,705,4742022: $1,769,1352021: $2,188,642

Benchmarked against: Other · 10,001–50,000 employees · same industry, regional · n=23 employers (your plan plus 22 peers)

Your exact in-state peer group was below the 10-plan minimum, so the comparison broadens to same industry, regional within Other.

12,013

(latest)

Self-funded

Funding

$1,723,512

Broker pay, employer-paid lines (2024)

$11.96

96th pct vs peers · n=23

Lines disclosed: Dental · Vision · Life · Long-term disability

Broker pay as a share of insured premium: 3.5% (peer median 3.3%, 55th percentile).

Without the 3 low-disclosure peers, this plan is 2nd highest of 20 comparable plans (your plan plus 19 peers).

Per-participant and share-of-premium comparisons differ because your plan insures more lines than most peers. The line-by-line rates below are the most direct comparison.

Employer-paid $1,723,512 benchmarked for 2024 · Voluntary $248,519 shown separately, compared by rate only

Broker commission rate by benefit line

What the broker earns on each insured line, as a share of that line's own premium — not a share of total broker pay, and not what the coverage cost. Peers for these tiles: same region, similar covered lives. Full table below. How the national rates are built.

Long-term disability

3.5%

178 peer contracts — p25 2.1% · median 4.5% · p75 7.8%. This contract: 3.5%.

Peer median 4.5%

Within peer range

Life

2.5%

214 peer contracts — p25 1.9% · median 4.4% · p75 9.0%. This contract: 2.5%.

Peer median 4.4%

Within peer range

Vision

9.2%

174 peer contracts — p25 2.6% · median 5.0% · p75 9.7%. This contract: 9.2%.

Peer median 5.0%

Within peer range

Voluntary / worksite

15.7%

181 peer contracts — p25 8.2% · median 13.0% · p75 20.8%. This contract: 15.7%.

Peer median 13.0%

Within peer range

Medical

0.4%

1,768 peer contracts — p25 2.7% · median 3.7% · p75 5.0%. This contract: 0.4%.

Peer median 3.7%

No commission on this contract

Dental

Not comparable

Premium under $10,000 is too small to compare

Voluntary / worksite premium is typically paid by employees through payroll deduction, so commission on those lines comes out of employee money rather than company money.

This page shows what was filed. The report shows what it means.

  • What the gap is worth — the dollar difference vs. peer median, including a 3-year view
  • The current structure compared against levels comparable plans actually reported
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Where the $1,972,031 across all lines goes

Each broker and each benefit line, in dollars

How much broker pay rides inside the premium

Base commission against bonuses and other carrier payments, all funded through premium

Whether this number is drifting

Compensation across every filed year, against the peer median

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Benefits covered (latest filing)

DentalLong-term disabilityUnemploymentApprenticeship / trainingHealthLife insuranceShort-term disabilityOtherSeveranceScholarship

From the Form 5500 welfare benefit codes — the authoritative list of what the plan covers, including medical (health).

Broker history

Benefit lines covered by year — broker identity limited on public pages

Year:

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Commission rates by benefit line

Each insured contract on the filing, with the broker's commission as a share of that contract's own premium. Premium is what was paid to the carrier for the coverage; only the commission column is broker pay.

Benefit lineContractRatevs. peersPosition
Long-term disability ($0 premium)Hartford Life and AccidentPlan 538 · 4,638 lives · Long-term disability3.5%178 peer contracts — p25 2.1% · median 4.5% · p75 7.8%. This contract: 3.5%.med 4.5%Within peer range
Life ($0 premium)Metropolitan Life Insurance CompanyPlan 504 · 12,030 lives · Life, Other (ACCIDENTAL DEATH & DI…2.5%214 peer contracts — p25 1.9% · median 4.4% · p75 9.0%. This contract: 2.5%.med 4.4%Within peer range
Life ($0 premium)Metropolitan Life Insurance CompanyPlan 521 · 3,948 lives · Life2.5%408 peer contracts — p25 2.2% · median 5.9% · p75 11.0%. This contract: 2.5%.med 5.9%Within peer range
Life ($0 premium)Metropolitan Life Insurance CompanyPlan 544 · 2,205 lives · Life, Other (ADD)2.6%1,163 peer contracts — p25 3.6% · median 8.3% · p75 13.3%. This contract: 2.6%.med 8.3%Below peer range
Long-term disability ($0 premium)Hartford Life and AccidentPlan 539 · 8,120 lives · Long-term disability3.5%178 peer contracts — p25 2.1% · median 4.5% · p75 7.8%. This contract: 3.5%.med 4.5%Within peer range
Life ($0 premium)Metropolitan Life Insurance CompanyPlan 503 · 2,335 lives · Life, Other (ADD)2.8%1,163 peer contracts — p25 3.6% · median 8.3% · p75 13.3%. This contract: 2.8%.med 8.3%Below peer range
Life ($0 premium)Metropolitan Life Insurance CompanyPlan 509 · 2,506 lives · Life2.5%408 peer contracts — p25 2.2% · median 5.9% · p75 11.0%. This contract: 2.5%.med 5.9%Within peer range
Life ($0 premium)Metropolitan Life Insurance CompanyPlan 543 · 1,722 lives · Life, Other (ADD)2.9%1,163 peer contracts — p25 3.6% · median 8.3% · p75 13.3%. This contract: 2.9%.med 8.3%Below peer range
Life ($0 premium)Metropolitan Life Insurance CompanyPlan 538 · 4,848 lives · Life, Other (ACCIDENTAL DEATH AND …2.6%408 peer contracts — p25 2.2% · median 5.9% · p75 11.0%. This contract: 2.6%.med 5.9%Within peer range
Life ($0 premium)Metropolitan Life Insurance CompanyPlan 566 · 573 lives · Life, Other (ADD)2.4%1,163 peer contracts — p25 3.6% · median 8.3% · p75 13.3%. This contract: 2.4%.med 8.3%Below peer range
Life ($0 premium)Metropolitan Life Insurance CompanyPlan 511 · 983 lives · Life2.5%1,163 peer contracts — p25 3.6% · median 8.3% · p75 13.3%. This contract: 2.5%.med 8.3%Below peer range
Vision ($0 premium)Fidelity Security Life Insurance Company (EyeMed)Plan 502 · 9,982 lives · Vision9.2%174 peer contracts — p25 2.6% · median 5.0% · p75 9.7%. This contract: 9.2%.med 5.0%Within peer range
Voluntary / worksite ($0 premium)Metropolitan Life Insurance CompanyPlan 502 · 4,561 lives · Other (CRITICAL ILLNESS)15.7%181 peer contracts — p25 8.2% · median 13.0% · p75 20.8%. This contract: 15.7%.med 13.0%Within peer range
Voluntary / worksite ($0 premium)Metropolitan Life Insurance CompanyPlan 502 · 5,012 lives · Other (ACCIDENT)13.3%181 peer contracts — p25 8.2% · median 13.0% · p75 20.8%. This contract: 13.3%.med 13.0%Within peer range
Life ($0 premium)Metropolitan Life Insurance CompanyPlan 539 · 853 lives · Life, Other (ACCIDENTAL DEATH AND …2.7%1,163 peer contracts — p25 3.6% · median 8.3% · p75 13.3%. This contract: 2.7%.med 8.3%Below peer range
Vision ($0 premium)Fidelity Security Life Insurance Company (EyeMed)Plan 538 · 3,880 lives · Vision9.2%174 peer contracts — p25 2.6% · median 5.0% · p75 9.7%. This contract: 9.2%.med 5.0%Within peer range
Voluntary / worksite ($0 premium)Metropolitan Life Insurance CompanyPlan 538 · 1,787 lives · Other (CRITICAL ILLNESS)15.7%670 peer contracts — p25 10.9% · median 15.6% · p75 21.6%. This contract: 15.7%.med 15.6%Within peer range
Voluntary / worksite ($0 premium)Metropolitan Life Insurance CompanyPlan 538 · 1,815 lives · Other (ACCIDENT)13.3%670 peer contracts — p25 10.9% · median 15.6% · p75 21.6%. This contract: 13.3%.med 15.6%Within peer range
Medicalfiled as “Health”Hip Health Plan of New York0.4%1,768 peer contracts — p25 2.7% · median 3.7% · p75 5.0%. This contract: 0.4%.med 3.7%No commission on this contract
Vision ($0 premium)Fidelity Security Life Insurance Company (EyeMed)Plan 539 · 1,868 lives · Vision9.2%862 peer contracts — p25 3.0% · median 6.8% · p75 10.0%. This contract: 9.2%.med 6.8%Within peer range
Voluntary / worksite ($0 premium)Metropolitan Life Insurance CompanyPlan 539 · 579 lives · Other (CRITICAL ILLNESS)15.7%670 peer contracts — p25 10.9% · median 15.6% · p75 21.6%. This contract: 15.7%.med 15.6%Within peer range
Voluntary / worksite ($0 premium)Metropolitan Life Insurance CompanyPlan 539 · 574 lives · Other (ACCIDENT)13.3%670 peer contracts — p25 10.9% · median 15.6% · p75 21.6%. This contract: 13.3%.med 15.6%Within peer range

Bundled and other contracts — no single-line peer comparison

A bundled contract covers two or more lines on one premium (for example Health + Dental). Its effective rate is the commission on the whole premium; it is shown for completeness and never compared with single-line peers, because the mix of lines inside the bundle sets the rate as much as the broker does.

CoversContractEffective ratevs. peers
Other benefitHOSPITALMetropolitan Life Insurance CompanyPlan 50218.0%No comparable line
Other benefitHOSPITALMetropolitan Life Insurance CompanyPlan 53818.0%No comparable line
Medical + DentalCignaPlan 5441.3%Bundled; no single-line peer
Other benefitHOSPITALMetropolitan Life Insurance CompanyPlan 53918.0%No comparable line
Medical + DentalCignaPlan 5431.3%Bundled; no single-line peer
Medical + DentalCignaPlan 5661.3%Bundled; no single-line peer
1 contract under $10,000 in premium — listed for completeness, not compared to peers. Show
  • Dental — Group Health Incorporated - Ghi — Premium under $10,000 is too small to compare
How the peer group for each line was built
  • Long-term disability: n=178 contracts, Northeast, 2501-10000 covered lives
  • Life: n=214 contracts, Northeast, 10001-50000 covered lives
  • Life: n=408 contracts, Northeast, 2501-10000 covered lives
  • Life: n=1,163 contracts, Northeast, 501-2500 covered lives
  • Vision: n=174 contracts, Northeast, 2501-10000 covered lives
  • Voluntary / worksite: n=181 contracts, Northeast, 2501-10000 covered lives
  • Voluntary / worksite: n=670 contracts, Northeast, 501-2500 covered lives
  • Medical: n=1,768 contracts, Northeast, 1-100 covered lives
  • Vision: n=862 contracts, Northeast, 501-2500 covered lives
  • Dental: n=583 contracts, Northeast, 1-100 covered lives

n = the number of peer contracts in that comparison group.

Everything in this table is from the 2024 filing. These 29 contracts are a subset of the broker compensation disclosed for that year. The remainder sits on contracts with no premium reported or on Schedule C service-provider fees, which carry no contract rate.

Who funds this. Voluntary / worksite premium is typically paid by employees through payroll deduction, so commission on those lines comes out of employee money rather than company money.

Peer comparison here is contract-level: each line is matched to single-line contracts covering a similar number of lives. The geography and size band come from that cell's generated scope label. That is a different group from the plan-level peer set, which compares employers on total broker cost per employee, so the two sample sizes are not expected to agree. The national table on the research page includes every single-line contract on that benefit line. Company pages use the tightest cell with at least 10 contracts — region and size when those exist, otherwise national. The two medians answer different questions, so they are not expected to match. Contracts under $10,000 in premium are listed for completeness, with no rate or peer position. A near-zero rate on a large premium usually means the broker is paid elsewhere (through a bundled contract, a Schedule C fee, or commission on other lines), so no market position is shown for that contract.

Plans on file

Expand a plan to see its insured contracts and year-over-year history — the details someone on the plan can recognize and verify.

PN 504GROUP INSURANCE12K participants (2024)
DentalLong-term disabilityUnemploymentApprenticeship / trainingSelf-funded · 4 years on file

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PN 502ACTIVE EMPLOYEES HEALTHCARE12K participants (2024)
HealthLife insuranceShort-term disabilityOtherSelf-funded · 4 years on file

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PN 538KEYSPAN BENEFIT PLAN FOR ACTIVE UNION EMPLOYEES4.6K participants (2024)
HealthDentalLife insuranceShort-term disabilityLong-term disabilityUnemploymentApprenticeship / trainingSeveranceOtherSelf-funded · 4 years on file

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PN 539KEYSPAN BENEFIT PLAN FOR ACTIVE MANAGEMENT EMPLOYEES1.3K participants (2024)
HealthDentalLife insuranceShort-term disabilityUnemploymentApprenticeship / trainingSeveranceOtherSelf-funded · 4 years on file

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PN 511NATIONAL GRID USA COMPANIES' RETIREES HEALTH AND LIFE INSURANCE PLAN II0 participants (2024)
HealthDentalLife insuranceSelf-funded · 4 years on file

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PN 521NIAGARA MOHAWK MEDICAL, PRESCRIPTION DRUG, AND LIFE INSURANCE PLAN FOR RETIRED FORMER REPRESENTED EMPL0 participants (2024)
HealthDentalSelf-funded · 4 years on file

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PN 509NATIONAL GRID USA COMPANIES' RETIREES HEALTH AND LIFE INSURANCE PLAN I0 participants (2024)
HealthDentalLife insuranceSelf-funded · 4 years on file

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PN 544NATIONAL GRID BENEFIT PLAN FOR CERTAIN RETIRED MANAGEMENT EMPLOYEES OF NEW YORK COMPANIES0 participants (2024)
HealthDentalLife insuranceSelf-funded · 4 years on file

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PN 566NATIONAL GRID BENEFIT PLAN FOR CERTAIN RETIRED MANAGEMENT AND UNION EMPLOYEES OF MASSACHUSETTS GAS COMPANIES0 participants (2024)
HealthDentalLife insuranceSeveranceSelf-funded · 4 years on file

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PN 543KEYSPAN BENEFIT PLAN FOR RETIRED WEST UNION EMPLOYEES0 participants (2024)
HealthDentalLife insuranceShort-term disabilitySelf-funded · 4 years on file

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PN 503KEYSPAN BENEFIT PLAN FOR RETIRED EAST UNION EMPLOYEES0 participants (2024)
HealthDentalLife insuranceSelf-funded · 4 years on file

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PN 501DISABILITY RETIREMENT AND SEPARATION ALLOWANCE PLAN0 participants (2024)
Long-term disabilityApprenticeship / trainingScholarshipSelf-funded · 4 years on file

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PN 562KEYSPAN BENEFIT PLAN FOR RETIRED BOSTON GAS COMPANY MANAGEMENT EMPLOYEES0 participants (2023)
HealthDentalSelf-funded · 3 years on file

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PN 540KEYSPAN BENEFIT PLAN FOR RETIRED ENERGYNORTH MGMT EMPLOYEES0 participants (2023)
DentalSeveranceSelf-funded · 3 years on file

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PN 545KEYSPAN BENEFIT PLAN FOR RETIRED COLONIAL GAS MANAGEMENT & UNION EMPLOYEES0 participants (2023)
HealthDentalLife insuranceSelf-funded · 3 years on file

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PN 541KEYSPAN LIFE INSURANCE PLAN FOR RETIRED EAST MANAGEMENT EMPLOYEES0 participants (2023)
DentalSelf-funded · 3 years on file

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PN 542KEYSPAN MEDICAL PLAN FOR RETIRED EAST MANAGEMENT EMPLOYEES0 participants (2023)
HealthDentalLife insuranceSelf-funded · 3 years on file

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PN 519NIAGARA MOHAWK MEDICAL, PRESCRIPTION DRUG, AND LIFE INSURANCE PLAN FOR RETIRED FORMER NON-REPRESENTED0 participants (2023)
HealthDentalSelf-funded · 3 years on file

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PN 577KEYSPAN BENEFIT PLAN FOR RETIRED ESSEX GAS UNION0 participants (2023)
HealthLife insuranceDentalSeveranceSelf-funded · 3 years on file

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PN 588KEYSPAN BENEFIT PLAN FOR RETIRED ESSEX GAS MGMT0 participants (2023)
HealthLife insuranceDentalSeveranceSelf-funded · 3 years on file

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PN 530KEYSPAN BENEFIT PLAN FOR RETIRED ENERGYNORTH UNION EMPLOYEES0 participants (2022)
HealthSelf-funded · 2 years on file

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Covers = benefits reported on the Form 5500 (welfare benefit codes). Contracts = insured lines itemized on Schedule A; a self-funded medical line never appears there.

At a glance

Primary brokerLimited on public pages
Years on file4
Lead broker continuitySame primary broker
Broker setup5 brokers in 202410 across all years
Most
Peer benchmarkOthern=23 · regional peers

Is this your company?

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How do similar employers compare?

Employers in the same peer group (Other, similar size), from public Form 5500 filings. Open one to see what it pays its broker.

Browse more: New York employer health plans · Other plans in New York · all states

Sourced from Form 5500 filings as submitted to the U.S. Department of Labor. Most recent plan year on file: 2024. Dataset refreshed October 7, 2026. Plan years are labeled by the year they begin, so a July 2024 – June 2025 plan year is 2024. Filings may lag 12–18 months behind the current plan year.

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Unbrokered reports data as filed with the DOL. If you believe a figure is incorrect, tell us what it should be. We respond within 2 business days and, where the underlying filing has been amended, update on our next data refresh. We don't remove publicly filed information on request, but we do correct genuine errors.