COHNREZNICK ADVISORY LLC

EIN 33-3709623 · NJ · Accounting / Consulting

Compensation disclosed5 brokers of record on fileAs reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Benchmarked against: Accounting / Consulting · 2,501–10,000 employees · same industry, nationwide · n=23 employers (your plan plus 22 peers)

Your exact in-state peer group was below the 10-plan minimum, so the comparison broadens to same industry, nationwide within Accounting / Consulting.

3,574

(latest)

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

Funding

$511,507

Broker pay, employer-paid lines (2025)

$11.93

82nd pct vs peers · n=23

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

Broker pay as a share of insured premium: 4.2% (peer median 6.4%, 32nd percentile).

Without the 1 low-disclosure peer, this plan is at the 81st percentile of 22 comparable plans (your plan plus 21 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 $511,507 benchmarked for 2025 · Voluntary $104,783 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.

Dental

3.0%

Peer median 3.0%

Within peer range

Voluntary / worksite

15.2%

Peer median 17.9%

Within peer range

Prescription drug (carve-out)

3.2%

Peer median 3.2%

Within peer range

Vision

5.4%

Peer median 6.2%

Within peer range

Medical

8.7%

Peer median 3.5%

Above peer range

Life

9.8%

Peer median 12.6%

Within 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.

Where the $616,290 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 disabilityUnemploymentApprenticeship / trainingSeveranceOther

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

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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
Dental ($0 premium)	Delta Dental of PennsylvaniaPlan 515 · 5,327 lives · Dental	3.0%	med 3.0%	Within peer range
Dental ($0 premium)	Delta Dental of PennsylvaniaPlan 520 · 5,327 lives · Dental	3.0%	med 3.0%	Within peer range
Dental ($0 premium)	Delta Dental of PennsylvaniaPlan 525 · 5,327 lives · Dental	3.0%	med 3.0%	Within peer range
Voluntary / worksite · contract 802918multi-product: accident + critical illness	Aetna Life Insurance Company	15.2%	med 17.9%	Within peer range
Prescription drug (carve-out)filed as “Prescription drug”	Express Scripts, Inc.	3.2%	med 3.2%	Within peer range
Vision ($0 premium)	UnitedHealthcare Insurance CompanyPlan 515 · 2,525 lives · Vision	5.4%	med 6.2%	Within peer range
Vision ($0 premium)	UnitedHealthcare Insurance CompanyPlan 520 · 2,525 lives · Vision	5.4%	med 6.2%	Within peer range
Vision ($0 premium)	UnitedHealthcare Insurance CompanyPlan 525 · 2,525 lives · Vision	5.4%	med 6.2%	Within peer range
Medicalfiled as “Health”	United American Insurance Company	8.7%	med 3.5%	Above peer range
Lifefiled as “Life, Other (ACCIDENTAL DEATH AND …”	United of Omaha Life Insurance Company	9.8%	med 12.6%	Within peer range
Voluntary / worksite · contract 20000613	Legalplans, USA	20.0%	med 16.8%	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 + Long-term disability	Sun Life and Health Insurance CompanyPlan 515	9.5%	Bundled; no single-line peer

How the peer group for each line was built

Dental: n=71 contracts, Northeast, 2501-10000 covered lives
Voluntary / worksite: n=75 contracts, Northeast, 2501-10000 covered lives
Prescription drug (carve-out): n=27 contracts, Northeast, 101-500 covered lives
Vision: n=106 contracts, Northeast, 2501-10000 covered lives
Medical: n=1,499 contracts, Northeast, 101-500 covered lives
Life: n=1,226 contracts, Northeast, 101-500 covered lives
Voluntary / worksite: n=459 contracts, Northeast, 501-2500 covered lives

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

Everything in this table is from the 2025 filing. These 12 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 515COHNREZNICK ADVISORS, LLC EMPLOYEE BENEFITS PROGRAM FOR ACTIVE EMPLOYEES3.6K participants (2025)

HealthDentalLife insuranceShort-term disabilityUnemploymentApprenticeship / trainingSeveranceOtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded).

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PN 520COHNREZNICK ADVISORY LLC BENEFITS PROGRAM FOR RETIRED PARTNERS UNDER AGE 652.8K participants (2025)

HealthLife insuranceShort-term disabilitySelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded).

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PN 525COHNREZNICK ADVISORY LLC BENEFITS PROGRAM FOR RETIRED PARTNERS AGE 65 & OVER2.8K participants (2025)

HealthLife insuranceShort-term disabilityFully insured

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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

Primary brokerLimited on public pages

Years on file1

Lead broker continuitySingle year on file

Broker setup5 brokers across benefit lines

Most

Peer benchmarkAccounting / Consultingn=23 · national peers

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How do similar employers compare?

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

Browse more: New Jersey employer health plans · Accounting / Consulting plans in New Jersey · 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.

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