COMMONWEALTH HEALTH CORPORATION

EIN 31-1118087 · KY · Health System / Hospital

Compensation disclosed11 brokers of record, 2021–2025As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Employer-paid broker pay2025: $596,5962024 · analysis: $507,6252023: $290,0982022: $296,7152021: $340,699

Benchmarked against: Health System / Hospital · 2,501–10,000 employees · same industry, regional · n=75 employers (your plan plus 74 peers)

Your exact in-state peer group was below the 10-plan minimum, so the comparison broadens to same industry, regional within Health System / Hospital.

4,378

(2024)

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

Funding

$507,625

Broker pay, employer-paid lines (2024)

$9.66

2024 · 68th pct vs peers · n=75

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

Broker pay as a share of insured premium: 6.8% (peer median 9.1%, 30th percentile).

Without the 6 low-disclosure peers, this plan is at the 68th percentile of 69 comparable plans (your plan plus 68 peers).

Per-participant and share-of-premium comparisons differ because your plan insures more lines than most peers. The line-by-line rates below are the most direct comparison.

Employer-paid $507,625 benchmarked for 2024 · Voluntary $448,400 shown separately, compared by rate only

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. Rows for 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.

Stop-loss

1.0%

Peer median 5.3%

Below peer range

Short-term disability

5.5%

Peer median 7.1%

Within peer range

Dental

3.5%

Peer median 4.6%

Within peer range

Life

16.5%

Peer median 11.9%

Within peer range

Long-term disability

14.6%

Peer median 10.9%

Within peer range

Vision

6.0%

Peer median 8.2%

Within peer range

Voluntary / worksite

45.3%

Peer median 19.6%

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.

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 $956,025 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)

HealthDentalLife insuranceShort-term disabilityLong-term disabilityApprenticeship / trainingOther

From the Form 5500 welfare benefit codes — the authoritative list of what the plan covers, including medical (health).

Disclosure opacity

What this filing doesn't show

This filing discloses no compensation on a health or stop-loss contract for 2025 — the plan's largest lines are absent from the public record. That is typical for self-funded plans, not reassuring: 53% of self-funded health plans with 100+ participants disclose the same — nothing (42K plans reviewed, 2024 filings). How we count this. The compensation still exists — under ERISA Section 408(b)(2), it must be disclosed in writing to the plan fiduciary on request.

Get the 408(b)(2) disclosure request letter — a ready-to-send request for the compensation this filing doesn't show. Free with an employer account.

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 lines below are the insured ancillary coverages — dental, vision, life, disability. Self-funded medical broker or consultant fees paid from plan assets are reported on Schedule C — shown below, tagged Sch. C. What Schedule C does not capture is advisor pay the employer makes from its own corporate funds instead of plan assets, which is not reportable, so the filed figure can be lower than what an advisor is paid in total.

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.

Broker identity on this page is limited for public viewers. Sign in with your work email or share your plan basics for the full breakdown on your company.

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
Stop-loss	Bcs Insurance Company	1.0%	med 5.3%	Below peer range
Short-term disability · contract G 166100	Reliance Standard Life Insurance CompanyPlan 510 · 2,866 lives · Short-term disability	5.5%	med 7.1%	Within peer range
Dental · contract 0109190305CO	Paramount DentalPlan 510 · 2,786 lives · Dental	3.5%	med 4.6%	Within peer range
Dental · contract 806231635521	Paramount DentalPlan 510 · 3,406 lives · Dental	3.5%	med 4.6%	Within peer range
Life (basic)	Reliance Standard Life Insurance CompanyPlan 510 · 2,224 lives · Life	16.5%	med 11.9%	Within peer range
Long-term disability	Reliance Standard Life Insurance Company	14.6%	med 10.9%	Within peer range
Vision	The Dental Concern, Inc.	6.0%	med 8.2%	Within peer range
Voluntary / worksite · contract VCI 882123	Reliance Standard Life Insurance CompanyPlan 510 · 1,754 lives · Other (VOLUNTARY CRITICAL ILLNESS)	45.3%	med 19.6%	Above peer range
Voluntary / worksite · contract 00559544	The Guardian Life Insurance Company of America	27.7%	med 19.6%	Above peer range
Voluntary / worksite · contract VAI 882122	Reliance Standard Life Insurance CompanyPlan 510 · 1,015 lives · Other (VOLUNTARY ACCIDENT INSURANC…	42.9%	med 19.6%	Above peer range
Voluntary / worksite · contract VHI 882124	Reliance Standard Life Insurance CompanyPlan 510 · 535 lives · Other (VOLUNTARY HOSPITAL)	39.7%	med 19.6%	Above peer range
Life (BASIC AD&D)	Reliance Standard Life Insurance CompanyPlan 510 · 2,744 lives · Life, Other (BASIC AD&D)	14.4%	med 6.4%	Above peer range
Short-term disability · contract VPS 328849	Reliance Standard Life Insurance CompanyPlan 510 · 27 lives · Short-term disability	6.3%	med 17.9%	Below peer range
Voluntary / worksite · contract VAR 207917	Reliance Standard Life Insurance CompanyPlan 510 · 3,977 lives · Other (VOLUNTARY AD&D)	16.9%	med 20.0%	Within peer range

How the peer group for each line was built

Stop-loss: n=60 contracts, Southeast, 2501-10000 covered lives
Short-term disability: n=75 contracts, Southeast, 2501-10000 covered lives
Dental: n=196 contracts, Southeast, 2501-10000 covered lives
Life: n=1,145 contracts, Southeast, 501-2500 covered lives
Long-term disability: n=534 contracts, Southeast, 501-2500 covered lives
Vision: n=245 contracts, Southeast, 2501-10000 covered lives
Voluntary / worksite: n=1,103 contracts, Southeast, 501-2500 covered lives
Life: n=422 contracts, Southeast, 2501-10000 covered lives
Short-term disability: n=733 contracts, Southeast, 1-100 covered lives
Voluntary / worksite: n=249 contracts, Southeast, 2501-10000 covered lives

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

Everything in this table is from the 2024 filing. These 14 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.

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.

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 510COMMONWEALTH HEALTH CORPORATION WELFARE BENEFIT PLAN4.5K participants (2025)

HealthDentalLife insuranceShort-term disabilityLong-term disabilityApprenticeship / trainingOtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 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 setup7 brokers in 202411 across all years

Most

Peer benchmarkHealth System / Hospitaln=75 · regional peers

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How do similar employers compare?

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

Browse more: Kentucky employer health plans · Health System / Hospital plans in Kentucky · 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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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.