CONSUMER PORTFOLIO SERVICES, INC.

EIN 33-0459135 · CA · Insurance / Financial Services

Compensation disclosed1 broker of record, 2021–2024As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Employer-paid broker pay2024 · analysis: $344,6232023: $258,4162022: $236,7552021: $213,257

Benchmarked against: Insurance / Financial Services · 501–2,500 employees · same industry, in-state · n=87 employers (your plan plus 86 peers)

946

(latest)

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

Funding

$344,623

Broker pay, employer-paid lines (2024)

$30.36

72nd pct vs peers · n=87

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

Broker pay as a share of insured premium: 2.5% (peer median 4.3%, 28th percentile).

Without the 22 low-disclosure peers, this plan is at the 63rd percentile of 65 comparable plans (your plan plus 64 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 $344,623 benchmarked for 2024 · Voluntary $41,262 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.

Medical

2.0%

Peer median 3.3%

Within peer range

Dental

4.1%

Peer median 5.0%

Within peer range

Short-term disability

11.1%

Peer median 12.7%

Within peer range

Long-term disability

15.9%

Peer median 10.0%

Above peer range

Life

11.2%

Peer median 13.7%

Within peer range

Vision

2.6%

Peer median 6.5%

Below peer range

Voluntary / worksite

26.9%

Peer median 17.6%

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 $385,885 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).

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
Medicalfiled as “Health, Prescription drug”	California Physicians Service	2.0%	med 3.3%	Within peer range
Dental	Cigna Health and Life Insurance Company	4.1%	med 5.0%	Within peer range
Short-term disability	The Lincoln National Life Insurance Company	11.1%	med 12.7%	Within peer range
Long-term disability	The Lincoln National Life Insurance Company	15.9%	med 10.0%	Above peer range
Life · contract 40000100027306	The Lincoln National Life Insurance CompanyPlan 501 · 494 lives · Life	11.2%	med 13.7%	Within peer range
Life · contract 10270916	The Lincoln National Life Insurance CompanyPlan 501 · 946 lives · Life, Other (ACCIDENTAL DEATH & DI…	15.9%	med 11.0%	Above peer range
Vision	Vision Service Plan	2.6%	med 6.5%	Below peer range
Voluntary / worksite · contract CI-0000217046	The Lincoln National Life Insurance CompanyPlan 501 · 167 lives · Other (CRITICAL ILLNESS)	26.9%	med 17.6%	Above peer range
Voluntary / worksite · contract HI-0000217048	The Lincoln National Life Insurance CompanyPlan 501 · 194 lives · Other (HOSPITAL INDEMNITY)	26.8%	med 17.6%	Above peer range
Voluntary / worksite · contract ACC-0000217047	The Lincoln National Life Insurance CompanyPlan 501 · 202 lives · Other (ACCIDENT)	27.1%	med 17.6%	Above peer range
Life · contract 403008144	The Lincoln National Life Insurance CompanyPlan 501 · 351 lives · Life, Other (ACCIDENTAL DEATH & DI…	10.7%	med 13.7%	Within peer range

How the peer group for each line was built

Medical: n=903 contracts, West, 501-2500 covered lives
Dental: n=579 contracts, West, 501-2500 covered lives
Short-term disability: n=581 contracts, West, 101-500 covered lives
Long-term disability: n=343 contracts, West, 501-2500 covered lives
Life: n=2,331 contracts, West, 101-500 covered lives
Life: n=949 contracts, West, 501-2500 covered lives
Vision: n=666 contracts, West, 501-2500 covered lives
Voluntary / worksite: n=1,904 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 11 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.

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 501CONSUMER PORTFOLIO SERVICES WELFARE BENEFIT PLAN946 participants (2024)

HealthDentalLife insuranceShort-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 continuitySame primary broker

Most

Peer benchmarkInsurance / Financial Servicesn=87 · 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: California employer health plans · Insurance / Financial Services 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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