LANCASTER EMERGENCY MEDICAL SERVICES ASSOCIATION

EIN 23-2840702 · PA · Ambulatory / Outpatient Care

Compensation disclosed4 brokers of record, 2021–2025As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Employer-paid broker pay2025: $62,5952024 · analysis: $33,1192023: $45,2682022: $41,8162021: $39,999

Benchmarked against: Ambulatory / Outpatient Care · 1–100 employees · same industry, nationwide · n=26 employers (your plan plus 25 peers)

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

(2024)

Fully insured

Funding

$33,119

Broker pay, employer-paid lines (2024)

$29.05

2024 · 36th pct vs peers · n=26

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

Broker pay as a share of insured premium: 3.1% (peer median 5.3%, 12th percentile).

Without the 5 low-disclosure peers, this plan is at the 30th percentile of 21 comparable plans (your plan plus 20 peers).

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. 2025 broker pay on file so far totals $62,595 across all lines, about 89% more than the $33,119 for 2024. 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%

Peer median 3.7%

Below peer range

Short-term disability

6.7%

Peer median 11.5%

Below peer range

Dental

18.6%

Peer median 9.4%

Above peer range

Long-term disability

11.4%

Peer median 13.9%

Within peer range

Life

10.8%

Peer median 13.0%

Within peer range

Vision

Not comparable

Premium under $10,000 is too small to compare

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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 $33,119 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)

DentalLife insuranceLong-term disabilityApprenticeship / trainingShort-term disabilityHealth

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.

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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 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 line	Contract	Rate	vs. peers	Position
Medical · contract 022180301	UPMC Health OptionsPlan 506 · 95 lives · Health	1.8%	med 3.7%	Below peer range
Medical · contract 022180300	UPMC Health OptionsPlan 506 · 52 lives · Health	1.7%	med 3.7%	Below peer range
Short-term disability	Standard Insurance Company	6.7%	med 11.5%	Below peer range
Dental	Sun Life Assurance Company of Canada	18.6%	med 9.4%	Above peer range
Long-term disability	Standard Insurance Company	11.4%	med 13.9%	Within peer range
Life	Standard Insurance Company	10.8%	med 13.0%	Within peer range
Medical · contract 022180303	UPMC Health OptionsPlan 506 · 2 lives · Health	1.7%	med 3.7%	No commission on this contract

1 contract under $10,000 in premium — listed for completeness, not compared to peers. Show

Vision — UPMC Health Benefits — Premium under $10,000 is too small to compare

How the peer group for each line was built

Medical: n=1,768 contracts, Northeast, 1-100 covered lives
Short-term disability: n=966 contracts, Northeast, 101-500 covered lives
Dental: n=583 contracts, Northeast, 1-100 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 8 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. 2025 is not rated here. Its rows appear in Broker history above as filed — pick 2025 on the year chips there to see them.

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. 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 505LANCASTER EMERGENCY MEDICAL SERVICES ASSOCIATION GROUP INSURANCE PLAN117 participants (2025)

DentalLife insuranceLong-term disabilityApprenticeship / trainingShort-term disabilityFully insured · 5 years on file

Loading contracts…

PN 506LANCASTER EMERGENCY MEDICAL SERVICES ASSOCIATION GROUP MEDICAL PLAN111 participants (2025)

HealthFully insured · 5 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 file5

Lead broker continuityFiled brokername changed

Broker setup4 brokers across benefit lines

Most

Peer benchmarkAmbulatory / Outpatient Caren=26 · national peers

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How do similar employers compare?

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

Browse more: Pennsylvania employer health plans · Ambulatory / Outpatient Care 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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