VATC LLC

EIN 20-0332171 · FL · Other

Compensation disclosed2 brokers of record, 2021–2025As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Employer-paid broker pay2025: $12,3052024 · analysis: $19,0552023: $17,2062022: $21,4082021: $29,393

Benchmarked against: Other · 1–100 employees · same industry, in-state · n=16 employers (your plan plus 15 peers)

(2024)

Fully insured

Funding

$19,055

Broker pay, employer-paid lines (2024)

$20.36

2024 · 13th highest of 16 comparable plans (your plan plus 15 peers)

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

Broker pay as a share of insured premium: 7.6% (peer median 6.6%, 5th highest of 16 comparable plans (your plan plus 15 peers)).

Without the 2 low-disclosure peers, this plan is 12th highest of 14 comparable plans (your plan plus 13 peers).

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

Employer-paid $19,055 benchmarked for 2024 · Voluntary $2,823 shown separately, compared by rate only

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 $14,635 across all lines, about 33% less than the $21,878 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: same region, similar covered lives. Full table below. How the national rates are built.

Medical

6.0%

Peer median 4.5%

Above peer range

Dental

10.0%

Peer median 10.0%

Within peer range

Voluntary / worksite

15.0%

Peer median 18.9%

Within peer range

Long-term disability

15.0%

Peer median 17.3%

Within peer range

Short-term disability

15.0%

Peer median 17.9%

Within peer range

Vision

Not comparable

Premium under $10,000 is too small to compare

Life

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 $21,878 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)

HealthDentalLife insuranceShort-term disabilityLong-term disabilityApprenticeship / trainingOther

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.

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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.

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 line	Contract	Rate	vs. peers	Position
Medical (Prescription drug)	Blue Cross Blue Shield of Florida	6.0%	med 4.5%	Above peer range
Medical (basic)	Health Options, Inc	6.0%	med 4.5%	Above peer range
Dental	United of Omaha Life Insurance Company	10.0%	med 10.0%	Within peer range
Voluntary / worksitefiled as “Other (SUPPLEMENTAL LIFE/ DEPENDEN…”	United of Omaha Life Insurance Company	15.0%	med 18.9%	Within peer range
Long-term disability	United of Omaha Life Insurance Company	15.0%	med 17.3%	Within peer range
Short-term disability	United of Omaha Life Insurance Company	15.0%	med 17.9%	Within peer range

2 contracts under $10,000 in premium — listed for completeness, not compared to peers. Show

Vision — United of Omaha Life Insurance Company — Premium under $10,000 is too small to compare
Life — United of Omaha Life Insurance Company — Premium under $10,000 is too small to compare

How the peer group for each line was built

Medical: n=2,345 contracts, Southeast, 1-100 covered lives
Dental: n=455 contracts, Southeast, 1-100 covered lives
Voluntary / worksite: n=3,250 contracts, Southeast, 1-100 covered lives
Long-term disability: n=742 contracts, Southeast, 1-100 covered lives
Short-term disability: n=733 contracts, Southeast, 1-100 covered lives
Vision: n=224 contracts, Southeast, 1-100 covered lives
Life: n=832 contracts, Southeast, 1-100 covered lives

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 bundled multi-line contracts, contracts with no premium reported, or Schedule C service-provider fees, none of which carry a comparable single-line 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.

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. A rate on bundled multi-line premium is not comparable to a single-line rate, so bundled contracts are never given a peer position. 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 501VATC LLC EMPLOYEE BENEFITS PLAN65 participants (2025)

HealthDentalLife insuranceShort-term disabilityLong-term disabilityApprenticeship / trainingOtherFully 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 continuitySame primary broker

Broker setup1 broker in 20242 across all years

Most

Peer benchmarkOthern=16 · 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: Florida employer health plans · Other plans in Florida · 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.