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RICOH USA, INC.

EIN 23-0334400 · PA · Other

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Compensation disclosed23 brokers of record, 2021–2025As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.
Employer-paid broker pay2025: $3,050,1852024 · analysis: $2,835,7142023: $2,992,1782022: $2,358,6362021: $3,218,722

Benchmarked against: Other · 10,001–50,000 employees · same industry, nationwide · n=10 employers (your plan plus 9 peers)

Your exact in-state peer group was below the 10-plan minimum, so the comparison broadens to same industry, nationwide within Other.

12,019

(2024)

Fully insured

Funding

$2,835,714

Broker pay, employer-paid lines (2024)

$19.66

2024 · 2nd 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: 2.2% (peer median 5.4%, 8th highest of 10 comparable plans (your plan plus 9 peers)).

Without the 2 low-disclosure peers, this plan is 2nd highest of 8 comparable plans (your plan plus 7 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 $2,835,714 benchmarked for 2024 · Voluntary $300,352 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. 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

1.8%

62 peer contracts — p25 1.5% · median 3.5% · p75 17.2%. This contract: 1.8%.

Peer median 3.5%

Within peer range

Dental

0.5%

150 peer contracts — p25 1.5% · median 3.2% · p75 5.4%. This contract: 0.5%.

Peer median 3.2%

No commission on this contract

Life

5.7%

214 peer contracts — p25 1.9% · median 4.4% · p75 9.0%. This contract: 5.7%.

Peer median 4.4%

Within peer range

Short-term disability

5.9%

18 peer contracts — p25 2.4% · median 3.9% · p75 5.8%. This contract: 5.9%.

Peer median 3.9%

Above peer range

Long-term disability

6.3%

76 peer contracts — p25 1.4% · median 2.5% · p75 5.6%. This contract: 6.3%.

Peer median 2.5%

Above peer range

Voluntary / worksite

24.8%

181 peer contracts — p25 8.2% · median 13.0% · p75 20.8%. This contract: 24.8%.

Peer median 13.0%

Above peer range

Vision

5.1%

174 peer contracts — p25 2.6% · median 5.0% · p75 9.7%. This contract: 5.1%.

Peer median 5.0%

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.

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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Broker Compensation Benchmark Report

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SAMPLE

Where the $3,136,066 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 disabilityUnemploymentApprenticeship / trainingSeveranceOtherScholarshipStop-loss

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
Medical ($0 premium)Independence Blue Cross1.8%62 peer contracts — p25 1.5% · median 3.5% · p75 17.2%. This contract: 1.8%.med 3.5%Within peer range
Medical ($0 premium)Cigna Health and Life Insurance Company and Affiliates (Cigna)2.0%517 peer contracts — p25 1.8% · median 2.8% · p75 4.7%. This contract: 2.0%.med 2.8%Within peer range
Dental · contract 3335140Cigna Health and Life Insurance Company and Affiliates (Cigna)0.5%150 peer contracts — p25 1.5% · median 3.2% · p75 5.4%. This contract: 0.5%.med 3.2%No commission on this contract
LifeMetropolitan Life Insurance CompanyPlan 518 · 20,618 lives · Life, Other (ACCIDENTAL DEATH AND …5.7%214 peer contracts — p25 1.9% · median 4.4% · p75 9.0%. This contract: 5.7%.med 4.4%Within peer range
Medical ($0 premium)Kaiser Foundation Health Plan of Georgia, Inc.2.0%517 peer contracts — p25 1.8% · median 2.8% · p75 4.7%. This contract: 2.0%.med 2.8%Within peer range
Medical ($0 premium)Kaiser Foundation Health Plan Inc1.9%2,850 peer contracts — p25 2.5% · median 3.6% · p75 5.0%. This contract: 1.9%.med 3.6%Below peer range
Medical ($0 premium)Kaiser Foundation Health Plan, Inc.Plan 518 · 486 lives · Health1.9%2,850 peer contracts — p25 2.5% · median 3.6% · p75 5.0%. This contract: 1.9%.med 3.6%Below peer range
Medical ($0 premium)UPMC Health Options1.8%2,850 peer contracts — p25 2.5% · median 3.6% · p75 5.0%. This contract: 1.8%.med 3.6%Below peer range
Short-term disability · contract 0236151Metropolitan Life Insurance CompanyPlan 518 · 11,508 lives · Short-term disability5.9%18 peer contracts — p25 2.4% · median 3.9% · p75 5.8%. This contract: 5.9%.med 3.9%Above peer range
Medical ($0 premium)Kaiser Foundation Health Plan of Colorado2.0%2,850 peer contracts — p25 2.5% · median 3.6% · p75 5.0%. This contract: 2.0%.med 3.6%Below peer range
Medical ($0 premium)Priority Health Insurance Company2.0%2,850 peer contracts — p25 2.5% · median 3.6% · p75 5.0%. This contract: 2.0%.med 3.6%Below peer range
Long-term disabilityMetropolitan Life Insurance Company6.3%76 peer contracts — p25 1.4% · median 2.5% · p75 5.6%. This contract: 6.3%.med 2.5%Above peer range
Medical ($0 premium)Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.2.2%2,850 peer contracts — p25 2.5% · median 3.6% · p75 5.0%. This contract: 2.2%.med 3.6%Below peer range
Voluntary / worksitemulti-product: accident + critical illness + hospital indemnityContinental American Insurance Company24.8%181 peer contracts — p25 8.2% · median 13.0% · p75 20.8%. This contract: 24.8%.med 13.0%Above peer range
Medical ($0 premium)Kaiser Foundation Health Plan of the Northwest2.0%2,850 peer contracts — p25 2.5% · median 3.6% · p75 5.0%. This contract: 2.0%.med 3.6%Below peer range
Medical ($0 premium)Kaiser Foundation Health Plan of Washington Options, Inc.2.0%1,768 peer contracts — p25 2.7% · median 3.7% · p75 5.0%. This contract: 2.0%.med 3.7%Below peer range
Medical ($0 premium)Medical Mutual2.0%1,768 peer contracts — p25 2.7% · median 3.7% · p75 5.0%. This contract: 2.0%.med 3.7%Below peer range
Medical ($0 premium)Health Net3.0%1,768 peer contracts — p25 2.7% · median 3.7% · p75 5.0%. This contract: 3.0%.med 3.7%Within peer range
Vision · contract SEE BELOW*EyeMed Vision Care5.1%174 peer contracts — p25 2.6% · median 5.0% · p75 9.7%. This contract: 5.1%.med 5.0%Within peer range
Vision · contract 30051100Vision Service Plan5.0%862 peer contracts — p25 3.0% · median 6.8% · p75 10.0%. This contract: 5.0%.med 6.8%Within peer range
Dental · contract 0660445-DENTALAetna Life Insurance Co.1.0%752 peer contracts — p25 2.5% · median 4.0% · p75 6.5%. This contract: 1.0%.med 4.0%Below peer range
Medical ($0 premium)Dean Health Plan Inc2.0%1,768 peer contracts — p25 2.7% · median 3.7% · p75 5.0%. This contract: 2.0%.med 3.7%Below peer range
Medical ($0 premium)Hawaii Medical Service Association2.0%1,768 peer contracts — p25 2.7% · median 3.7% · p75 5.0%. This contract: 2.0%.med 3.7%Below peer range
Medical ($0 premium)Geisinger Quality Options, Inc.2.0%1,768 peer contracts — p25 2.7% · median 3.7% · p75 5.0%. This contract: 2.0%.med 3.7%Below peer range
Short-term disability · contract 0236153Metropolitan Life Insurance CompanyPlan 518 · 502 lives · Short-term disability5.7%305 peer contracts — p25 3.1% · median 6.3% · p75 11.3%. This contract: 5.7%.med 6.3%Within peer range
Short-term disability · contract 0236155Metropolitan Life Insurance CompanyPlan 518 · 380 lives · Short-term disability1.9%966 peer contracts — p25 7.0% · median 11.5% · p75 16.0%. This contract: 1.9%.med 11.5%Below peer range
Vision · contract 0158551Metropolitan Life Insurance Company4.1%862 peer contracts — p25 3.0% · median 6.8% · p75 10.0%. This contract: 4.1%.med 6.8%Within peer range
Medical ($0 premium)Prevea360 Health Plan2.0%1,768 peer contracts — p25 2.7% · median 3.7% · p75 5.0%. This contract: 2.0%.med 3.7%Below peer range
Short-term disability · contract 0236154Metropolitan Life Insurance CompanyPlan 518 · 502 lives · Short-term disability2.0%305 peer contracts — p25 3.1% · median 6.3% · p75 11.3%. This contract: 2.0%.med 6.3%No commission on this contract
Medical ($0 premium)Kaiser Foundation Health Plan, Inc.Plan 518 · 5 lives · Health2.0%1,768 peer contracts — p25 2.7% · median 3.7% · p75 5.0%. This contract: 2.0%.med 3.7%No commission on this contract

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 + VisionUnitedHealthcare Insurance CompanyPlan 5182.0%Bundled; no single-line peer
1 contract under $10,000 in premium — listed for completeness, not compared to peers. Show
  • Life — Metropolitan Life Insurance Company — Premium under $10,000 is too small to compare
How the peer group for each line was built
  • Medical: n=62 contracts, Northeast, 2501-10000 covered lives
  • Medical: n=517 contracts, Northeast, 501-2500 covered lives
  • Dental: n=150 contracts, Northeast, 2501-10000 covered lives
  • Life: n=214 contracts, Northeast, 10001-50000 covered lives
  • Medical: n=2,850 contracts, Northeast, 101-500 covered lives
  • Short-term disability: n=18 contracts, Northeast, 10001-50000 covered lives
  • Long-term disability: n=76 contracts, Northeast, 10001-50000 covered lives
  • Voluntary / worksite: n=181 contracts, Northeast, 2501-10000 covered lives
  • Medical: n=1,768 contracts, Northeast, 1-100 covered lives
  • Vision: n=174 contracts, Northeast, 2501-10000 covered lives
  • Vision: n=862 contracts, Northeast, 501-2500 covered lives
  • Dental: n=752 contracts, Northeast, 501-2500 covered lives
  • Short-term disability: n=305 contracts, Northeast, 501-2500 covered lives
  • Short-term disability: n=966 contracts, Northeast, 101-500 covered lives
  • Life: n=2,313 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 32 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. A near-zero rate on a large premium usually means the broker is paid elsewhere (through a bundled contract, a Schedule C fee, or commission on other lines), so no market position is shown for that contract.

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 518RICOH USA, INC. HEALTH AND WELFARE PLANS11K participants (2025)
HealthDentalLife insuranceShort-term disabilityLong-term disabilityUnemploymentApprenticeship / trainingSeveranceOtherFully insured · 5 years on file

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PN 519RICOH USA, INC. FLEXIBLE SPENDING ACCOUNT1.8K participants (2025)
HealthSelf-funded · 5 years on file

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PN 520RICOH USA, INC. SEVERANCE PLAN0 participants (2025)
ScholarshipStop-lossSelf-funded · 2 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 file5
Lead broker continuitySame primary broker
Broker setup14 brokers in 202423 across all years
Most
Peer benchmarkOthern=10 · national peers

Is this your company?

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Or share your plan basics to unlock your company’s full detail — the report PDF itself is a separate purchase.

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. 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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