HARBOUR BENEFIT HOLDINGS, INC

EIN 30-0631923 · FL · Insurance / Financial Services

Compensation disclosed10 brokers of record, 2021–2024As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Employer-paid broker pay2024 · analysis: $157,7712023: $178,0092022: $245,8312021: $53,464

Benchmarked against: Insurance / Financial Services · 501–2,500 employees · same industry, in-state · n=41 employers (your plan plus 40 peers)

1,457

(latest)

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

Funding

$157,771

Broker pay, employer-paid lines (2024)

$9.02

38th pct vs peers · n=41

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

Broker pay as a share of insured premium: 7.3% (peer median 9.7%, 25th percentile).

Without the 1 low-disclosure peer, this plan is at the 36th percentile of 40 comparable plans (your plan plus 39 peers).

Employer-paid $157,771 benchmarked for 2024 · Voluntary $16,388 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.

Stop-loss

8.0%

Peer median 7.5%

Within peer range

Life

9.1%

Peer median 6.4%

Within peer range

Dental

1.4%

Peer median 7.0%

Below peer range

Long-term disability

9.1%

Peer median 10.9%

Within peer range

Medical

3.5%

Peer median 4.5%

Within peer range

Vision

10.0%

Peer median 9.9%

Within peer range

Voluntary / worksite

16.5%

Peer median 19.7%

Within peer range

Short-term disability

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.

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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Where the $174,159 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)

HealthDentalShort-term disabilityLong-term disabilityApprenticeship / trainingOther

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
Stop-loss	Berkley Life and Health Insurance Co.	8.0%	med 7.5%	Within peer range
Life · contract FLI0960274	Life Insurance Company of North AmericaPlan 501 · 3,418 lives · Life	9.1%	med 6.4%	Within peer range
Dental	Florida Combined Life	1.4%	med 7.0%	Below peer range
Long-term disability	Life Insurance Company of North America	9.1%	med 10.9%	Within peer range
Medical · contract 24565	Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.	3.5%	med 4.5%	Within peer range
Medical · contract 0211375	Metropolitan Life Insurance Company	19.8%	med 4.7%	Above peer range
Vision	Vision Service Plan	10.0%	med 9.9%	Within peer range
Life · contract OK0968812	Life Insurance Company of North AmericaPlan 501 · 2,289 lives · Other (AD&D)	9.1%	med 11.9%	Within peer range
Voluntary / worksite · contract CI110486	Cigna Health and Life Insurance CompanyPlan 501 · 196 lives · Other (VOLUNTARY CRITICAL ILLNESS)	16.5%	med 19.7%	Within peer range
Voluntary / worksite · contract 9900743	Metropolitan General Insurance Company	11.0%	med 18.9%	Below peer range
Voluntary / worksite · contract AI110511	Cigna Health and Life Insurance CompanyPlan 501 · 245 lives · Other (ACCIDENTAL INJURY)	16.7%	med 19.7%	Within peer range

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

Short-term disability — Life Insurance Company of North America — Premium under $10,000 is too small to compare
Short-term disability — New York Life Group Insurance Company of New York — Premium under $10,000 is too small to compare

How the peer group for each line was built

Stop-loss: n=275 contracts, Southeast, 101-500 covered lives
Life: n=422 contracts, Southeast, 2501-10000 covered lives
Dental: n=795 contracts, Southeast, 501-2500 covered lives
Long-term disability: n=534 contracts, Southeast, 501-2500 covered lives
Medical: n=2,345 contracts, Southeast, 1-100 covered lives
Medical: n=3,251 contracts, Southeast, 101-500 covered lives
Vision: n=1,050 contracts, Southeast, 501-2500 covered lives
Life: n=1,145 contracts, Southeast, 501-2500 covered lives
Voluntary / worksite: n=3,165 contracts, Southeast, 101-500 covered lives
Voluntary / worksite: n=3,250 contracts, Southeast, 1-100 covered lives
Short-term disability: n=733 contracts, Southeast, 1-100 covered lives

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

Everything in this table is from the 2024 filing. These 13 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.

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. 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.

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 501HARBOUR BENEFIT HOLDINGS WELFARE BENEFITS PLAN1.5K participants (2024)

HealthDentalShort-term disabilityLong-term disabilityApprenticeship / trainingOtherSelf-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 continuityFiled brokername changed

Broker setup5 brokers in 202410 across all years

Most

Peer benchmarkInsurance / Financial Servicesn=41 · state peers

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How do similar employers compare?

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

Browse more: Florida employer health plans · Insurance / Financial Services plans in Florida · 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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