AUGUSTAR LIFE INSURANCE COMPANY
Formerly AUGUSTAR LIFE INSURANCE COMPANY FKA THE OHIO NATIONAL LIFE INSURANCE C · THE OHIO NATIONAL LIFE INSURANCE CO · THE OHIO NATIONAL LIFE INSURANCE COMPANY
EIN 31-0397080 · OH · Insurance / Financial Services
Benchmarked against: Insurance / Financial Services · 501–2,500 employees · same industry, regional · n=14 employers (your plan plus 13 peers)
Your exact in-state peer group was below the 10-plan minimum, so the comparison broadens to same industry, regional within Insurance / Financial Services.
831
(2021)
Fully insured
Funding
$70,524
Broker pay, employer-paid lines (2021)
$7.07
2021 · 7th highest of 14 comparable plans (your plan plus 13 peers)
Lines disclosed: Dental · Vision · Life
Broker pay as a share of insured premium: 9.3% (peer median 8.7%, 60th percentile).
Without the 3 low-disclosure peers, this plan is 11th highest of 19 comparable plans (your plan plus 18 peers).
Showing 2021, 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 2021?
The figures above use 2021, the latest year we can compare with similar employers. A filing for 2022–2025 is on file. 2022 reports only a token amount of broker pay, under $5,000. That is too small to compare with other employers. 2023 reports only a token amount of broker pay, under $5,000. That is too small to compare with other employers. 2024 reports only a token amount of broker pay, under $5,000. That is too small to compare with other employers. 2025 reports only a token amount of broker pay, under $5,000. That is too small to compare with other employers. 2022 broker pay on file so far totals $3,349 across all lines, about 95% less than the $70,524 for 2021. 2023 broker pay on file so far totals $2,662 across all lines, about 96% less than the $70,524 for 2021. Rows for 2022–2025 stay in the broker history and stay out of the headline and the peer comparison.
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: same region, similar covered lives. Full table below. How the national rates are built.
Dental
8.4%
Peer median 4.2%
Above peer rangeLife
11.9%
Peer median 10.3%
Within peer rangeVision
3.0%
Peer median 10.0%
Below peer rangeThis 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 $70,524 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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Line-item breakdown, multi-year trend, and methodology-backed framing — ready for fiduciary oversight and recordkeeping.
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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).
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.
The 2025 filing reports only a token amount of broker pay, under $5,000. The analysis year is 2021, 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 2021 — the same year as the headline figure and per-participant rate above. The 2025 filing reports only a token amount of broker pay, under $5,000.
| Benefit line | Contract | Rate | vs. peers | Position |
|---|---|---|---|---|
| Dental | Delta Dental Plan of Ohio | 8.4% | med 4.2% | Above peer range |
| Life | The Lincoln National Life Insurance Company | 11.9% | med 10.3% | Within peer range |
| Vision · contract 0842886 | Aetna Life Insurance Co. | 3.0% | med 10.0% | Below peer range |
| Vision · contract 10025641001 | EyeMed Vision Plan | 14.5% | med 10.0% | Above peer range |
How the peer group for each line was built
- Dental: n=808 contracts, Midwest, 501-2500 covered lives
- Life: n=1,184 contracts, Midwest, 501-2500 covered lives
- Vision: n=1,219 contracts, Midwest, 501-2500 covered lives
n = the number of peer contracts in that comparison group.
Everything in this table is from the 2021 filing. These 4 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.
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 504GROUP LIFE INSURANCE BENEFITS FOR AGENTS1K participants (2022)DentalFully insured · 2 years on file
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PN 502HOME OFFICE GROUP LIFE INSURANCE PLAN847 participants (2022)DentalFully insured · 2 years on file
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PN 512HOME OFFICE EAP813 participants (2025)OtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 5 years on file
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PN 515VOLUNTARY AND CRITICAL PLAN800 participants (2025)OtherFully insured · 5 years on file
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PN 509HOME OFFICE DENTAL PLAN726 participants (2025)Life insuranceFully insured · 5 years on file
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PN 507HOME OFFICE MEDICAL PLAN680 participants (2025)HealthFully insured · 5 years on file
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PN 511HOME OFFICE VISION632 participants (2025)DentalSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 5 years on file
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PN 501DISABILITY INCOME FOR THE HOME OFFICE EMPLOYEES544 participants (2025)OtherFully insured
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PN 514AGENTS VISION163 participants (2022)Short-term disabilityFully insured · 2 years on file
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PN 503THE OHIO NATIONAL LIFE INSURANCE CO AGENTS' MEDICAL BENEFIT PLAN TRUST148 participants (2022)HealthSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 2 years on file
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PN 513DENTAL PLAN - AGENTS143 participants (2022)Life insuranceFully insured · 2 years on file
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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 (Insurance / Financial Services, similar size), from public Form 5500 filings. Open one to see what it pays its broker.
- CREDIT HUMAN FEDERAL CREDIT UNIONTexasCompensation disclosed →
- DDG, INC.TexasCompensation disclosed →
- ICW GROUP HOLDINGS, INC.CaliforniaCompensation disclosed →
- SPECIAL & SUPERIOR OFFICERS BENEVOLENT ASSOCIATION WELFARE FUNDNew YorkCompensation disclosed →
- IAT INSURANCE GROUP INC.North CarolinaCompensation disclosed →
Browse more: Ohio employer health plans · Insurance / Financial Services plans in Ohio · all states
Sourced from Form 5500 filings as submitted to the U.S. Department of Labor. Analysis year: 2021; 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.
Report a data discrepancy
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.