MCAF, LLC
EIN 26-4576228 · OH · Retail
93
(2011)
Fully insured
Funding
$19,897
Broker pay, employer-paid lines (2011)
$17.83
2011
Employer-paid $19,897 benchmarked for 2011 · Voluntary $159 shown separately, compared by rate only
Showing 2011, the latest year with a complete peer group. A 2024 filing is on file and appears in broker history; it is not benchmarked yet.
Why 2011?
The figures above use 2011, the latest year we can compare with similar employers. A filing for 2023–2024 is on file. Only a smaller plan has filed for 2023 so far. The main plan's filing is not in yet, so that year cannot carry the comparison. Only a smaller plan has filed for 2024 so far. The main plan's filing is not in yet, so that year cannot carry the comparison. 2023 broker pay on file so far totals $8,376 across all lines, about 58% less than the $20,056 for 2011. 2024 broker pay on file so far totals $12,080 across all lines, about 40% less than the $20,056 for 2011. Rows for 2023–2024 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: the tightest available peer cell for each line. Full table below. How the national rates are built.
Medical
4.3%
No peer cell
Dental
10.0%
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.
Vision is not on this filing as its own contract, so there is no peer rate to show for it.
Where the $20,056 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.
Broker history
Benefit lines covered by year — broker identity limited on public pages
The 2024 filings on file so far are from smaller plans; the main plan has not filed 2024 yet. The analysis year is 2011, 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 2011 — the same year as the headline figure and per-participant rate above. The 2024 filings on file so far are from smaller plans; the main plan has not filed 2024 yet.
| Benefit line | Contract | Rate | vs. peers | Position |
|---|---|---|---|---|
| Medicalfiled as “Health, Prescription drug” | Medical Mutual of Ohio | 4.3% | No peer cell | No peer cell |
| Dental | Union Security Insurance Company | 10.0% | 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 + Short-term disability + Long-term disability | The Lincoln National Life Insurance CompanyPlan 504 | 15.3% | Bundled; no single-line peer |
2 contracts under $10,000 in premium — listed for completeness, not compared to peers. Show
- Dental — Udc of Ohio, Inc. — Premium under $10,000 is too small to compare
- Voluntary / worksite — Colonial Life & Accident Insurance Company — Premium under $10,000 is too small to compare
Everything in this table is from the 2011 filing. These 5 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. 2024 is not rated here. Its rows appear in Broker history above as filed — pick 2024 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.
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 502MCAF ANCILLARY BENEFITS94 participants (2024)DentalLong-term disabilityApprenticeship / trainingSeveranceUnfunded / insured (non-filing)Fully insured · 2 years on file
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PN 504MCAF, LLC HEALTH AND WELFARE BENEFITS PLAN FORMERLY, MCSWAIN CARPETS, INC.93 participants (2011)HealthDentalLife insuranceLong-term disabilityApprenticeship / trainingSeveranceUnfunded / insured (non-filing)Fully insured
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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
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How do similar employers compare?
Employers in the same peer group (Retail, similar size), from public Form 5500 filings. Open one to see what it pays its broker.
- CUSTOM PRODUCTS CORPORATIONOhioCompensation disclosed →
- TAMURA ENTERPRISES, INCHawaiiCompensation disclosed →
- FACILITECH, INC. DBA BUSINESS INTERIORSTexasCompensation disclosed →
- DICK POE MOTORSTexasCompensation disclosed →
- MWP SUPPLY DBA CARDINAL HOME CENTERVirginiaCompensation disclosed →
Browse more: Ohio employer health plans · Retail plans in Ohio · all states
Sourced from Form 5500 filings as submitted to the U.S. Department of Labor. Analysis year: 2011; newest plan year with a filing 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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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.