BROOKDALE SENIOR LIVING INC.

Formerly BROOKDALE SENIOR LIVING, INC.

EIN 20-3068069 · TN · Health System / Hospital

Compensation disclosed7 brokers of record, 2021–2025As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Employer-paid broker pay2025: Not reported2024 · analysis: $1,190,0192023: $517,5452022: $584,6022021: $625,550

Benchmarked against: Health System / Hospital · 10,001–50,000 employees · same industry, regional · n=38 employers (your plan plus 37 peers)

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

36,148

(2024)

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

Funding

$1,190,019

Broker pay, employer-paid lines (2024)

$2.74

2024 · 41st pct vs peers · n=38

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

Broker pay as a share of insured premium: 11.0% (peer median 6.7%, 92nd percentile).

Without the 2 low-disclosure peers, this plan is at the 37th percentile of 36 comparable plans (your plan plus 35 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 $1,190,019 benchmarked for 2024 · Voluntary $363,590 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. Only a smaller plan has filed for 2025 so far. The main plan's filing is not in yet, so that year cannot carry the comparison. Rows for 2025 stay in the broker history and stay out of the headline and the peer comparison.

Self-funded medical. This figure is commissions on the insured ancillary lines (life, disability, dental, vision, stop-loss). A self-funded employer's medical advisor is typically paid a fee outside these filings, so total broker pay is usually higher than the figure shown.

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.

Short-term disability

8.0%

Peer median 4.5%

Within peer range

Life

7.2%

Peer median 3.3%

Within peer range

Voluntary / worksite

31.1%

Peer median 20.0%

Above peer range

Medical

21.7%

Peer median 4.8%

Above peer range

Long-term disability

12.6%

Peer median 10.9%

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.

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
The current structure compared against levels comparable plans actually reported
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Where the $1,553,609 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 insuranceShort-term disabilityLong-term disabilitySeveranceOther

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

Disclosure opacity

What this filing doesn't show

This filing discloses no compensation on a health or stop-loss contract for 2025 — the plan's largest lines are absent from the public record. That is typical for self-funded plans, not reassuring: 53% of self-funded health plans with 100+ participants disclose the same — nothing (42K plans reviewed, 2024 filings). How we count this. The compensation still exists — under ERISA Section 408(b)(2), it must be disclosed in writing to the plan fiduciary on request.

Get the 408(b)(2) disclosure request letter — a ready-to-send request for the compensation this filing doesn't show. Free with an employer account.

Broker history

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

Medical here is self-funded. The employer pays its own health claims (usually through a TPA), so there's no insurance contract for medical and it never appears on Schedule A. The itemized coverages in this filing are the insured ancillary lines — dental, vision, life, disability. Schedule C captures advisor pay two ways: paid directly from plan assets, or received indirectly from a carrier or vendor in connection with the plan. This plan has no Schedule C on file — so any advisor compensation beyond those ancillary lines isn't captured in this filing.

Year:

The 2025 filings on file so far are from smaller plans; the main plan has not filed 2025 yet. 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 filings on file so far are from smaller plans; the main plan has not filed 2025 yet.

Benefit line	Contract	Rate	vs. peers	Position
Short-term disability	Metropolitan Life Insurance Company	8.0%	med 4.5%	Within peer range
Lifefiled as “Life, Other (ACCIDENTAL DEATH AND …”	Metropolitan Life Insurance Company	7.2%	med 3.3%	Within peer range
Voluntary / worksite · contract 0229091	Metropolitan Life Insurance Company	31.1%	med 20.0%	Above peer range
Medical · contract 0229094	Metropolitan Life Insurance CompanyPlan 501 · 5,814 lives · Health	21.7%	med 4.8%	Above peer range
Long-term disability · contract 251423	Metropolitan Life Insurance CompanyPlan 501 · 2,041 lives · Long-term disability	12.6%	med 10.9%	Within peer range
Medical · contract 0229090	Metropolitan Life Insurance CompanyPlan 501 · 6,306 lives · Health	32.2%	med 4.8%	Above peer range
Long-term disability · contract 0251419	Metropolitan Life Insurance CompanyPlan 501 · 1,032 lives · Long-term disability	9.6%	med 10.9%	Within peer range
Voluntary / worksite · contract 3300010	MetLife Legal Plans	12.0%	med 19.6%	Below peer range
Medical · contract HHN30000	Zurich American Insurance Company	28.5%	med 4.7%	Above 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
Dental + Vision	AmeritasPlan 501	20.0%	Bundled; no single-line peer

How the peer group for each line was built

Short-term disability: n=19 contracts, Southeast, 10001-50000 covered lives
Life: n=215 contracts, Southeast, 10001-50000 covered lives
Voluntary / worksite: n=249 contracts, Southeast, 2501-10000 covered lives
Medical: n=72 contracts, Southeast, 2501-10000 covered lives
Long-term disability: n=534 contracts, Southeast, 501-2500 covered lives
Voluntary / worksite: n=1,103 contracts, Southeast, 501-2500 covered lives
Medical: n=3,251 contracts, Southeast, 101-500 covered lives

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

Everything in this table is from the 2024 filing. These 10 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.

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 501BROOKDALE SENIOR LIVING, INC. WELFARE PLAN36K participants (2024)

HealthDentalLife insuranceShort-term disabilityLong-term disabilityUnemploymentApprenticeship / trainingSeveranceOtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 4 years on file

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PN 599BROOKDALE SENIOR LIVING INC. TEXAS INJURY PLAN4.3K participants (2025)

HealthLife insuranceShort-term disabilityLong-term disabilitySeveranceOtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 5 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 setup7 brokers across benefit lines

Most

Peer benchmarkHealth System / Hospitaln=38 · regional peers

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How do similar employers compare?

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

Browse more: Tennessee employer health plans · Health System / Hospital plans in Tennessee · 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.