MENTAL HEALTH ASSOCIATION OF ESSEX AND MORRIS, INC.

EIN 22-1568147 · NJ · Physician Group / Medical Practice

Compensation disclosed6 brokers of record, 2021–2024As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Employer-paid broker pay2024 · analysis: $91,8232023: $74,5052022: $61,9532021: $47,069

Benchmarked against: Physician Group / Medical Practice · 101–500 employees · same industry, in-state · n=18 employers (your plan plus 17 peers)

194

(latest)

Fully insured

Funding

$91,823

Broker pay, employer-paid lines (2024)

$39.44

13th highest of 18 comparable plans (your plan plus 17 peers)

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

Broker pay as a share of insured premium: 3.7% (peer median 5.9%, 15th highest of 18 comparable plans (your plan plus 17 peers)).

Without the 3 low-disclosure peers, this plan is 12th highest of 15 comparable plans (your plan plus 14 peers).

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

3.0%

Peer median 3.6%

Within peer range

Prescription drug (carve-out)

3.3%

Peer median 3.0%

Within peer range

Dental

7.5%

Peer median 5.4%

Within peer range

Long-term disability

16.8%

Peer median 13.9%

Within peer range

Life

16.2%

Peer median 13.0%

Within peer range

Vision

10.0%

Peer median 7.3%

Within peer range

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What the gap is worth — the dollar difference vs. peer median, including a 3-year view
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Where the $91,823 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)

HealthLife insuranceShort-term disabilityApprenticeship / trainingDentalSeveranceOther

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
Medicalfiled as “Health”	Horizon Healthcare Services, Inc.	3.0%	med 3.6%	Within peer range
Prescription drug (carve-out)filed as “Prescription drug”	Horizon Healthcare Services, Inc.	3.3%	med 3.0%	Within peer range
Dental	Principal Life Insurance Company	7.5%	med 5.4%	Within peer range
Long-term disability	Usable Life	16.8%	med 13.9%	Within peer range
Lifefiled as “Life, Other (ACCIDENTAL DEATH & DI…”	Usable Life	16.2%	med 13.0%	Within peer range
Vision	Horizon Insurance Company	10.0%	med 7.3%	Within peer range

How the peer group for each line was built

Medical: n=2,850 contracts, Northeast, 101-500 covered lives
Prescription drug (carve-out): n=89 contracts, Northeast, 101-500 covered lives
Dental: n=2,240 contracts, Northeast, 101-500 covered lives
Long-term disability: n=1,298 contracts, Northeast, 101-500 covered lives
Life: n=2,313 contracts, Northeast, 101-500 covered lives
Vision: n=2,338 contracts, Northeast, 101-500 covered lives

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

Everything in this table is from the 2024 filing. These 6 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.

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.

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 501MENTAL HEALTH ASSOCIATION OF ESSEX AND MORRIS, INC. HEALTH AND WELFARE BENEFIT PLAN194 participants (2024)

HealthLife insuranceShort-term disabilityApprenticeship / trainingDentalSeveranceOtherFully insured · 4 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 file4

Lead broker continuityFiled brokername changed

Broker setup6 brokers across benefit lines

Most

Peer benchmarkPhysician Group / Medical Practicen=18 · state peers

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How do similar employers compare?

Employers in the same peer group (Physician Group / Medical Practice, similar size), from public Form 5500 filings. Open one to see what it pays its broker.

Browse more: New Jersey employer health plans · Physician Group / Medical Practice plans in New Jersey · 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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