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JTB AMERICAS, LTD

EIN 13-1994506 · CA · Other

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Compensation disclosed7 brokers of record, 2021–2025As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.
Employer-paid broker pay2025: $319,8852024 · analysis: $49,8842023: $116,3142022: $79,7582021: $62,664

Benchmarked against: Other · 101–500 employees · same industry, in-state · n=367 employers (your plan plus 366 peers)

226

(2024)

Fully insured

Funding

$49,884

Broker pay, employer-paid lines (2024)

$18.39

2024 · 7th pct vs peers · n=367

Showing 2024, the latest year with a complete peer group. A 2025 filing is on file and appears in broker history; it is not benchmarked yet.

Why 2024?

The figures above use 2024, the latest year we can compare with similar employers. A filing for 2025 is on file. Most employers have not filed for 2025 yet, so there is no complete peer group to compare it with. 2025 broker pay on file so far totals $319,885 across all lines, about 541% more than the $49,884 for 2024. Rows for 2025 stay in the broker history and stay out of the headline and the peer comparison.

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: the tightest available peer cell for each line. Full table below. How the national rates are built.

Medical

3.0%

4,521 peer contracts — p25 3.2% · median 4.7% · p75 5.4%. This contract: 3.0%.

Peer median 4.7%

Below peer range

Life

10.0%

21,607 peer contracts — p25 7.5% · median 13.4% · p75 17.8%. This contract: 10.0%.

Peer median 13.4%

Within peer range

Short-term disability

Not comparable

Premium under $10,000 is too small to compare

Dental and Vision are filed only inside a bundled multi-line contract, so there is no single-line rate to compare. The bundle's effective rate is in the table below.

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
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Where the $49,884 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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Line-item breakdown, multi-year trend, and methodology-backed framing — ready for fiduciary oversight and recordkeeping.

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Benefits covered (latest filing)

HealthDentalLife insuranceShort-term disabilityLong-term disabilitySeverance

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:

The 2025 filing is on file and its figures are shown as filed, but most employers have not filed 2025 yet, so it is not compared with peers. The analysis year is 2024, the latest year that is complete and benchmarked.

Broker identity on this page is limited for public viewers. Sign in with your work email or share your plan basics for the full breakdown on your company.

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.

Analysis year 2024 — the same year as the headline figure and per-participant rate above. The 2025 filing is on file and its figures are shown as filed, but most employers have not filed 2025 yet, so it is not compared with peers.

Benefit lineContractRatevs. peersPosition
Medicalfiled as “Health, Prescription drug”Aetna Health Inc.3.0%4,521 peer contracts — p25 3.2% · median 4.7% · p75 5.4%. This contract: 3.0%.med 4.7%Below peer range
Life · contract FLX966852Life Insurance Company of North AmericaPlan 503 · Life10.0%21,607 peer contracts — p25 7.5% · median 13.4% · p75 17.8%. This contract: 10.0%.med 13.4%Within peer range
Life · contract FLX966853Life Insurance Company of North AmericaPlan 503 · Life10.0%21,607 peer contracts — p25 7.5% · median 13.4% · p75 17.8%. This contract: 10.0%.med 13.4%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
Medical + Dental + VisionAetna Life Insurance Co.Plan 5032.9%Bundled; no single-line peer
Other benefitSTATUTORY DISABILITYNew York Life Group Insurance Company of NYPlan 503Not comparableNo comparable linePremium under $10,000 is too small to compare
3 contracts under $10,000 in premium — listed for completeness, not compared to peers. Show
  • Short-term disability — Life Insurance Company of North America — Premium under $10,000 is too small to compare
  • Life — Life Insurance Company of North America — Premium under $10,000 is too small to compare
  • Life — Life Insurance Company of North America — Premium under $10,000 is too small to compare
How the peer group for each line was built
  • Medical: n=4,521 contracts, West, 101-500 covered lives
  • Life: n=21,607 contracts, national
  • Short-term disability: n=8,365 contracts, national

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

Everything in this table is from the 2024 filing. These 8 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. 2025 is not rated here. Its rows appear in Broker history above as filed — pick 2025 on the year chips there to see them.

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.

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 503JTB AMERICAS, LTD HEALTH AND WELFARE PLAN230 participants (2025)
HealthDentalLife insuranceShort-term disabilityLong-term disabilitySeveranceFully insured · 5 years on file

Loading contracts…

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 file5
Lead broker continuityFiled brokername changed
Broker setup2 brokers in 20247 across all years
Most
Peer benchmarkOthern=367 · state peers

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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: California employer health plans · Other plans in California · all states

Sourced from Form 5500 filings as submitted to the U.S. Department of Labor. Analysis year: 2024; newest plan year with a filing on file: 2025. 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.