SPECTRUM SAFETY SHARED SERVICES, LLC

EIN 33-4324108 · CT · 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 · 101–500 employees · same industry, regional · 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, regional within Accounting / Consulting.

440

(latest)

Fully insured

Funding

$379,035

Broker pay, employer-paid lines (2025)

$71.79

68th pct vs peers · n=23

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

Broker pay as a share of insured premium: 6.1% (peer median 4.5%, 73rd percentile).

Without the 2 low-disclosure peers, this plan is at the 70th percentile of 21 comparable plans (your plan plus 20 peers).

Employer-paid $379,035 benchmarked for 2025 · Voluntary $7,731 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.

Life

29.9%

Peer median 12.6%

Above peer range

Short-term disability

29.0%

Peer median 11.3%

Above peer range

Long-term disability

29.0%

Peer median 13.1%

Above peer range

Voluntary / worksite

26.6%

Peer median 16.7%

Above peer range

Dental

8.0%

Peer median 9.6%

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.

Vision 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.

Where the $386,766 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 disabilityApprenticeship / 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
Life	Lincoln National Life Insurance Company	29.9%	med 12.6%	Above peer range
Short-term disability	Lincoln National Life Insurance Company	29.0%	med 11.3%	Above peer range
Long-term disability	Lincoln National Life Insurance Company	29.0%	med 13.1%	Above peer range
Voluntary / worksite	The Lincoln National Life Insurance CompanyPlan 501 · 39 lives · Other (CRITICAL ILLNESS)	26.6%	med 16.7%	Above peer range
Dental	Cigna Dental Health of Florida, Inc.	8.0%	med 9.6%	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
Medical + Dental + Vision	Cigna Health and Life Insurance CompanyPlan 501	4.8%	Bundled; no single-line peer

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

Voluntary / worksite — The Lincoln National Life Insurance Company — Premium under $10,000 is too small to compare
Voluntary / worksite — The Lincoln National Life Insurance Company — Premium under $10,000 is too small to compare
Dental — Cigna Dental of Colorado, Inc. — Premium under $10,000 is too small to compare
Dental — Cigna Dental Health of North Carolina, Inc. — Premium under $10,000 is too small to compare
Dental — Cigna Dental Health Plan of Arizona, Inc. — Premium under $10,000 is too small to compare
Dental — Cigna Dental Health of California Inc. — Premium under $10,000 is too small to compare

How the peer group for each line was built

Life: n=1,226 contracts, Northeast, 101-500 covered lives
Short-term disability: n=541 contracts, Northeast, 101-500 covered lives
Long-term disability: n=736 contracts, Northeast, 101-500 covered lives
Voluntary / worksite: n=998 contracts, Northeast, 1-100 covered lives
Dental: n=280 contracts, Northeast, 1-100 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 501SPECTRUM SAFETY SHARED SERVICES WELFARE PLAN440 participants (2025)

HealthDentalLife insuranceShort-term disabilityApprenticeship / trainingSeveranceOtherFully insured

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 file1

Lead broker continuitySingle year on file

Broker setup5 brokers across benefit lines

Most

Peer benchmarkAccounting / Consultingn=23 · regional 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: Connecticut employer health plans · Accounting / Consulting plans in Connecticut · 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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