PHOENIX SERVICES, LLC

EIN 20-3058793 · PA · Other

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Compensation disclosed1 broker of record on fileAs reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Benchmarked against: Other · 501–2,500 employees · same industry, in-state · n=10 employers (your plan plus 9 peers)

867

(latest)

Fully insured

Funding

$100,252

Broker pay, employer-paid lines (2021)

$9.64

9th highest of 10 comparable plans (your plan plus 9 peers)

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

Broker pay as a share of insured premium: 7.1% (peer median 6.2%, 3rd highest of 10 comparable plans (your plan plus 9 peers)).

Without the 1 low-disclosure peer, this plan is the lowest disclosed broker pay among 9 comparable plans (your plan plus 8 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 $100,252 benchmarked for 2021 · Voluntary $84,909 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

5.3%

Peer median 3.9%

Within peer range

Life

9.0%

Peer median 8.7%

Within peer range

Voluntary / worksite

31.5%

Peer median 15.0%

Above peer range

Short-term disability

7.5%

Peer median 10.0%

Within peer range

Long-term disability

9.7%

Peer median 12.9%

Within peer range

Vision

2.8%

Peer median 7.0%

Below 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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Where the $185,161 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)

HealthLife insuranceDentalApprenticeship / trainingOtherShort-term disabilityLong-term disability

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

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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	Metropolitan Life Insurance Company	5.3%	med 3.9%	Within peer range
Lifefiled as “Life, Other (AD&D)”	United of Omaha Life Insurance Company	9.0%	med 8.7%	Within peer range
Voluntary / worksite · contract AGC00000109004multi-product: accident + critical illness + hospital indemnity	Continental American Insurance Company	31.5%	med 15.0%	Above peer range
Voluntary / worksite · contract GVTL0AA5R	United of Omaha Life Insurance Company	11.4%	med 15.0%	Within peer range
Short-term disability · contract GUC0AA5R	United of Omaha Life Insurance CompanyPlan 510 · 295 lives · Short-term disability	7.5%	med 10.0%	Within peer range
Long-term disability · contract GLTD0AA5R	United of Omaha Life Insurance CompanyPlan 510 · 181 lives · Long-term disability	9.7%	med 12.9%	Within peer range
Long-term disability · contract GUPR0AA5R	United of Omaha Life Insurance CompanyPlan 510 · 222 lives · Long-term disability	9.7%	med 12.9%	Within peer range
Vision	Vision Service Plan	2.8%	med 7.0%	Below peer range
Short-term disability · contract GUGOAA5R	United of Omaha Life Insurance CompanyPlan 510 · 179 lives · Short-term disability	12.7%	med 10.0%	Within peer range
Voluntary / worksite · contract 2310505	MetLife Legal Plans	10.0%	med 15.0%	Below 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.

Covers	Contract	Effective rate	vs. peers
Other benefitTRANSPLANT	United Healthcare Insurance CompanyPlan 510	7.5%	No comparable line

How the peer group for each line was built

Dental: n=785 contracts, Northeast, 501-2500 covered lives
Life: n=1,179 contracts, Northeast, 501-2500 covered lives
Voluntary / worksite: n=445 contracts, Northeast, 501-2500 covered lives
Voluntary / worksite: n=1,202 contracts, Northeast, 101-500 covered lives
Short-term disability: n=997 contracts, Northeast, 101-500 covered lives
Long-term disability: n=1,338 contracts, Northeast, 101-500 covered lives
Vision: n=856 contracts, Northeast, 501-2500 covered lives
Voluntary / worksite: n=1,154 contracts, Northeast, 1-100 covered lives

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

Everything in this table is from the 2021 filing. These 11 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.

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 510PHOENIX SERVICES, LLC EMPLOYEE BENEFIT PLAN867 participants (2021)

HealthLife insuranceDentalApprenticeship / trainingOtherShort-term disabilityLong-term disabilityFully insured

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 file1

Lead broker continuitySingle year on file

Most

Peer benchmarkOthern=10 · 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: Pennsylvania employer health plans · Other plans in Pennsylvania · all states

Sourced from Form 5500 filings as submitted to the U.S. Department of Labor. Most recent plan year on file: 2021. 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.