NORTH AMERICAN HOGANAS, INC.
EIN 23-2540690 · PA · Manufacturing — Light
398
(latest)
Self-fundedSelf-funded (incl. mixed, stop-loss and level-funded).
Funding
$6,862
Broker pay, employer-paid lines (2015)
$1.44
Employer-paid $6,862 benchmarked for 2015 · Voluntary $169 shown separately, compared by rate only
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: the tightest available peer cell for each line. Full table below. How the national rates are built.
Short-term disability
2.3%
No peer cell
Voluntary / worksite
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.
Life is 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.
Dental and Vision are not on this filing as their own contracts, so there is no peer rate to show for them.
Where the $7,031 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)
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 2015 — 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.
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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 |
|---|---|---|---|---|
| Short-term disability | Oneamerica | 2.3% | No peer cell | No peer cell |
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 |
|---|---|---|---|
| Life + Long-term disability | Life Insurance Company of North AmericaPlan 501 | 1.0% | Bundled; no single-line peer |
1 contract under $10,000 in premium — listed for completeness, not compared to peers. Show
- Voluntary / worksite — American Heritage Life Insurance Company — Premium under $10,000 is too small to compare
Everything in this table is from the 2015 filing. These 3 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.
No peer cell met the minimum sample size for these lines, so rates are shown without a market position. 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 501NORTH AMERICAN HOGANAS, INC. EMPLOYEE BENEFITS PROGRAM398 participants (2015)HealthDentalLife insuranceShort-term disabilityLong-term disabilityApprenticeship / trainingSeveranceOtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 2 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
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How do similar employers compare?
Employers in the same peer group (Manufacturing — Light, similar size), from public Form 5500 filings. Open one to see what it pays its broker.
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Sourced from Form 5500 filings as submitted to the U.S. Department of Labor. Most recent plan year on file: 2015. 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.