HITACHI AMERICA, LTD

EIN 23-7688845 · CA · Manufacturing — Heavy

Compensation disclosed16 brokers of record, 2021–2024As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Employer-paid broker pay2024 · analysis: $4,081,6302023: $3,010,0232022: $2,935,4252021: $2,328,910

Benchmarked against: Manufacturing — Heavy · 10,001–50,000 employees · same industry, nationwide · n=73 employers (your plan plus 72 peers)

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

18,705

(latest)

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

Funding

$4,081,630

Broker pay, employer-paid lines (2024)

$18.18

93rd pct vs peers · n=73

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

Broker pay as a share of insured premium: 10.4% (peer median 3.6%, 77th percentile).

Without the 21 low-disclosure peers, this plan is at the 98th percentile of 52 comparable plans (your plan plus 51 peers).

Employer-paid $4,081,630 benchmarked for 2024 · Voluntary $814,997 shown separately, compared by rate only

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.

Dental

2.4%

Peer median 3.0%

Within peer range

Life

15.7%

Peer median 6.2%

Above peer range

Medical

<0.1%

Peer median 4.7%

No commission on this contract

Long-term disability

5.5%

Peer median 3.9%

Within peer range

Short-term disability

5.5%

Peer median 4.4%

Within peer range

Voluntary / worksite

24.0%

Peer median 11.8%

Above 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.

Vision is not on this filing as its own contract, so there is no peer rate to show for it.

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
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Where the $4,896,627 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)

HealthDentalLife insuranceShort-term disabilityLong-term disabilityUnemploymentApprenticeship / trainingSeveranceOther

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
Dental	Metropolitan Life Insurance Company	2.4%	med 3.0%	Within peer range
Life · contract SA2890LF043801	Lincoln National Life Insurance CompanyPlan 501 · 5,466 lives · Life, Other (ACCIDENTAL DEATH AND …	15.7%	med 6.2%	Above peer range
Life · contract SA381026222701	Lincoln National Life Insurance CompanyPlan 501 · 7,550 lives · Life, Other (ACCIDENTAL DEATH AND …	15.7%	med 6.2%	Above peer range
Medical · contract 605279	Kaiser Foundation Health Plan Inc.Plan 501 · 389 lives · Health, Prescription drug	<0.1%	med 4.7%	No commission on this contract
Long-term disability · contract GF381026222701	Lincoln National Life Insurance CompanyPlan 501 · 6,900 lives · Long-term disability	5.5%	med 3.9%	Within peer range
Short-term disability · contract GD381026222701	Lincoln National Life Insurance CompanyPlan 501 · 5,466 lives · Short-term disability	5.5%	med 4.4%	Within peer range
Voluntary / worksite · contract 70316-8multi-product: accident + critical illness + hospital indemnity	Reliastar Life Insurance Company	24.0%	med 11.8%	Above peer range
Life · contract SA386006653301	Lincoln National Life Insurance CompanyPlan 501 · 2,261 lives · Life, Other (ACCIDENTAL DEATH AND …	16.6%	med 11.0%	Above peer range
Long-term disability · contract GF3890LF043801	Lincoln National Life Insurance CompanyPlan 501 · 5,900 lives · Long-term disability	6.2%	med 3.9%	Within peer range
Medical · contract 233227	Kaiser Foundation Health Plan Inc.Plan 501 · 122 lives · Health, Prescription drug	<0.1%	med 4.7%	No commission on this contract
Long-term disability · contract GF386006653301	Lincoln National Life Insurance CompanyPlan 501 · 2,262 lives · Long-term disability	16.7%	med 10.0%	Above peer range
Medical · contract 20585	Kaiser Foundation Health Plan of the NorthwestPlan 501 · 82 lives · Health, Prescription drug	<0.1%	med 4.9%	No commission on this contract
Voluntary / worksite · contract 9907151	MetLife Legal Plans	19.5%	med 15.9%	Within peer range
Medical · contract 2026200	Kaiser Foundation Health Plan of Washington	2.4%	med 4.9%	Below peer range
Life · contract SA3890LF011001	Lincoln National Life Insurance CompanyPlan 501 · 3,063 lives · Life, Other (ACCIDENTAL DEATH AND …	11.5%	med 6.2%	Within peer range
Long-term disability · contract GF3890LF0110-01	Lincoln National Life Insurance CompanyPlan 501 · 5,580 lives · Long-term disability	Not comparable	Rate is above 40% of premium on a core line, or 100% on a voluntary line	Rate is above 40% of premium on a core line, or 100% on a voluntary line
Short-term disability · contract GD3890LF043801	Lincoln National Life Insurance CompanyPlan 501 · 353 lives · Short-term disability	7.9%	med 12.7%	Below peer range
Medical · contract 15417	Kaiser Foundation Health Plan of Colorado	1.2%	med 4.9%	Below peer range
Medical · contract 22881	Kaiser Foundation Health Plan of the NorthwestPlan 501 · 12 lives · Health, Prescription drug	4.0%	med 4.9%	Within peer range
Medical · contract 18188	Kaiser Foundation Health Plan Inc	3.8%	med 4.9%	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.

Covers	Contract	Effective rate	vs. peers
Medical + Dental	Four Ever Life Ins. Co.Plan 501	1.0%	Bundled; no single-line peer

How the peer group for each line was built

Dental: n=20 contracts, West, 10001-50000 covered lives
Life: n=257 contracts, West, 2501-10000 covered lives
Medical: n=4,521 contracts, West, 101-500 covered lives
Long-term disability: n=116 contracts, West, 2501-10000 covered lives
Short-term disability: n=44 contracts, West, 2501-10000 covered lives
Voluntary / worksite: n=26 contracts, West, 10001-50000 covered lives
Life: n=949 contracts, West, 501-2500 covered lives
Long-term disability: n=343 contracts, West, 501-2500 covered lives
Medical: n=4,437 contracts, West, 1-100 covered lives
Voluntary / worksite: n=159 contracts, West, 2501-10000 covered lives
Short-term disability: n=581 contracts, West, 101-500 covered lives

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

Everything in this table is from the 2024 filing. These 21 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.

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. Not comparable: Rate is above 40% of premium on a core line, or 100% on a voluntary line

Plans on file

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PN 501HITACHI AMERICA, LTD., GROUP HEALTH AND WELFARE PLAN19K participants (2024)

HealthDentalLife insuranceShort-term disabilityLong-term disabilityUnemploymentApprenticeship / trainingSeveranceOtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 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 continuitySame primary broker

Broker setup12 brokers in 202416 across all years

Most

Peer benchmarkManufacturing — Heavyn=73 · national peers

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How do similar employers compare?

Employers in the same peer group (Manufacturing — Heavy, similar size), from public Form 5500 filings. Open one to see what it pays its broker.

Browse more: California employer health plans · Manufacturing — Heavy plans in California · 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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