BDB INTERMEDIATE LLC

EIN 33-1684029 · TX · Hospitality / Food Service

Compensation disclosed1 broker of record, 2024–2025As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Employer-paid broker pay2025 · analysis: $36,9722024: $454

Benchmarked against: Hospitality / Food Service · 101–500 employees · same industry, in-state · n=28 employers (your plan plus 27 peers)

135

(latest)

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

Funding

$36,972

Broker pay, employer-paid lines (2025)

$22.82

63rd pct vs peers · n=28

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

Broker pay as a share of insured premium: 7.8% (peer median 7.9%, 48th percentile).

Without the 3 low-disclosure peers, this plan is at the 58th percentile of 25 comparable plans (your plan plus 24 peers).

Employer-paid $36,972 benchmarked for 2025 · Voluntary $951 shown separately, compared by rate only · $8,422 shown as filed, excluded as a likely filing error

Why excluded?

1 broker compensation line totaling $8,422 on the Form 5500 appears to be filing errors (a commission above 100% of the premium reported on that contract, or pay above $200 per participant per month or $50,000,000 on one line). We verified these amounts against the DOL EFAST publication — they are as filed by the plan sponsor, not an Unbrokered ingest error. Those lines are shown as filed and excluded from peer benchmarks and headline PEPM.

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: the tightest available peer cell for each line. Full table below. How the national rates are built.

Stop-loss

9.0%

Peer median 7.8%

Within peer range

Vision

9.9%

Peer median 10.0%

Within peer range

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.

Dental is not on this filing as its own contract, so there is no peer rate to show for it.

Where the $37,923 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)

HealthDentalLife insuranceShort-term disabilityLong-term disabilityApprenticeship / trainingSeverance

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.

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 · contract HCL42075	Hcc Life Insurance CompanyPlan 501 · 92 lives · Stop-loss	9.0%	med 7.8%	Within peer range
Stop-loss · contract HCL42075-SPY	Hcc Life Insurance CompanyPlan 501 · 93 lives · Stop-loss	9.0%	med 7.8%	Within peer range
Vision	UnitedHealthcare Insurance Company	9.9%	med 10.0%	Within peer range

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	Symetra Life Insurance CompanyPlan 501	13.5%	Bundled; no single-line peer

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

Voluntary / worksite — The Standard-American Heritage Life Insurance Company — Premium under $10,000 is too small to compare
Voluntary / worksite — The Standard-American Heritage Life Insurance Company — Premium under $10,000 is too small to compare

How the peer group for each line was built

Stop-loss: n=81 contracts, national, 1-100 covered lives
Vision: n=567 contracts, Southwest, 101-500 covered lives
Voluntary / worksite: n=721 contracts, Southwest, 1-100 covered lives

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

Everything in this table is from the 2025 filing. These 6 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.

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. 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 501BDB INTERMEDIATE LLC EMPLOYEE HEALTH PLAN135 participants (2025)

HealthDentalLife insuranceShort-term disabilityLong-term disabilityApprenticeship / trainingSeveranceSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 2 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 file2

Lead broker continuitySingle year on file

Most

Peer benchmarkHospitality / Food Servicen=28 · state peers

Is this your company?

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Or share your plan basics to unlock your company’s full detail — the report PDF itself is a separate purchase.

How do similar employers compare?

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

Browse more: Texas employer health plans · Hospitality / Food Service plans in Texas · all states

Sourced from Form 5500 filings as submitted to the U.S. Department of Labor. Most recent plan year 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.