PRESIDENT & FELLOWS OF HARVARD COLLEGE HARVARD HUMAN RESOURCES, BENEFI

EIN 04-2103580 · MA · Education — K-12

Compensation disclosed12 brokers of record, 2021–2024As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Employer-paid broker pay2024 · analysis: $2,231,0512023: $2,076,7592022: $1,210,2762021: $1,112,457

Benchmarked against: Education — K-12 · 10,001–50,000 employees · same industry, nationwide · n=15 employers (your plan plus 14 peers)

Your exact in-state peer group was below the 10-plan minimum, so the comparison broadens to same industry, nationwide within Education — K-12.

22,367

(latest)

Self-fundedSelf-funded (incl. mixed, stop-loss and level-funded).

Funding

$2,231,051

Broker pay, employer-paid lines (2024)

$8.31

2nd highest of 15 comparable plans (your plan plus 14 peers)

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

Broker pay as a share of insured premium: 4.2% (peer median 3.8%, 7th highest of 15 comparable plans (your plan plus 14 peers)).

Without the 2 low-disclosure peers, this plan is 2nd highest of 13 comparable plans (your plan plus 12 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 $2,231,051 benchmarked for 2024 · Voluntary $106,520 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.

Dental

1.6%

Peer median 2.5%

Within peer range

Life

1.0%

Peer median 4.4%

Below peer range

Long-term disability

4.0%

Peer median 2.5%

Within peer range

Medical

5.3%

Peer median 3.6%

Above peer range

Vision

5.8%

Peer median 2.2%

Within peer range

Voluntary / worksite

12.9%

Peer median 13.0%

Within peer range

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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Broker Compensation Benchmark Report

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Where the $2,337,571 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)

OtherLong-term disabilitySeveranceHealthDentalLife insuranceApprenticeship / training

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 line	Contract	Rate	vs. peers	Position
Dental ($0 premium)	Metropolitan Life Insurance CompanyPlan 501 · 34,806 lives · Dental	1.6%	med 2.5%	Within peer range
Life	Metropolitan Life Insurance Company	1.0%	med 4.4%	Below peer range
Long-term disability	Lincoln Life Assurance Company of Boston	4.0%	med 2.5%	Within peer range
Dental ($0 premium)	Metropolitan Life Insurance CompanyPlan 501 · 7,534 lives · Dental	2.0%	med 3.2%	Within peer range
Medicalfiled as “Health, Prescription drug”	Ghmsi/Carefirst Bluechoice	5.3%	med 3.6%	Above peer range
Vision · contract 1029397	Fidelity Security Life Insurance CompanyPlan 501 · 12,876 lives · Vision	5.8%	med 2.2%	Within peer range
Voluntary / worksitefiled as “Other (LEGAL - PROPERTY AND CASUAL…”	Metropolitan Property and Casualty Insurance Co.	12.9%	med 13.0%	Within peer range
Vision · contract 1029398	Fidelity Security Life Insurance CompanyPlan 501 · 104 lives · Vision	5.5%	med 7.3%	No commission on this contract
Dental ($0 premium)	Metropolitan Life Insurance CompanyPlan 518 · 18 lives · Dental	2.0%	med 9.4%	No commission on this contract

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.

Covers	Contract	Effective rate	vs. peers
Other benefitHPHC ENH NON UNION SENIOR PLAN	Harvard Pilgrim Health Care Insurance CompanyPlan 501	13.1%	No comparable line
Other benefitHPHC ENH UNION SENIOR PLAN	Harvard Pilgrim Health Care Insurance Company IncPlan 501	13.1%	No comparable line
Short-term disability + Long-term disability	Federal Insurance CompanyPlan 504	22.7%	Bundled; no single-line peer
Medical + Dental + Life + Long-term disability	MetLife Delaware American Life Insurance CompanyPlan 501	9.2%	Bundled; no single-line peer
Other benefitOther benefit	Kaiser Foundation Health Plan of Mid-Atlantic States, Inc.Plan 501	5.1%	No comparable line

How the peer group for each line was built

Dental: n=21 contracts, Northeast, 10001-50000 covered lives
Life: n=214 contracts, Northeast, 10001-50000 covered lives
Long-term disability: n=76 contracts, Northeast, 10001-50000 covered lives
Dental: n=150 contracts, Northeast, 2501-10000 covered lives
Medical: n=2,850 contracts, Northeast, 101-500 covered lives
Vision: n=50 contracts, Northeast, 10001-50000 covered lives
Voluntary / worksite: n=181 contracts, Northeast, 2501-10000 covered lives
Vision: n=2,338 contracts, Northeast, 101-500 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 14 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 502HARVARD UNIVERSITY WORK-RELATED HIV BENEFITS PLAN26K participants (2024)

OtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 4 years on file

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PN 504HARVARD UNIVERSITY BUSINESS TRAVEL PLAN24K participants (2024)

Long-term disabilitySeveranceFully insured · 4 years on file

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PN 501HARVARD UNIVERSITY FLEXIBLE BENEFITS PLAN22K participants (2024)

HealthDentalLife insuranceApprenticeship / trainingSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 4 years on file

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PN 506HARVARD UNIVERSITY MEDICAL REIMBURSEMENT PLAN17K participants (2024)

HealthSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 4 years on file

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PN 518HARVARD UNIVERSITY RETIREES ASSOCIATION DENTAL PLAN18 participants (2024)

Life insuranceFully insured · 4 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 continuityFiled brokername changed

Broker setup11 brokers in 202412 across all years

Most

Peer benchmarkEducation — K-12n=15 · national peers

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How do similar employers compare?

Employers in the same peer group (Education — K-12, similar size), from public Form 5500 filings. Open one to see what it pays its broker.

Browse more: Massachusetts employer health plans · Education — K-12 plans in Massachusetts · 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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