COASTAL PET PRODUCTS, INC.

EIN 34-1044431 · OH · Manufacturing — Heavy

Compensation disclosed7 brokers of record, 2021–2024As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Employer-paid broker pay2024 · analysis: $127,9812023: $123,8542022: $206,3592021: $111,318

Benchmarked against: Manufacturing — Heavy · 101–500 employees · same industry, in-state · n=90 employers (your plan plus 89 peers)

266

(latest)

Fully insured

Funding

$127,981

Broker pay, employer-paid lines (2024)

$40.09

64th pct vs peers · n=90

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

Broker pay as a share of insured premium: 6.6% (peer median 4.4%, 76th percentile).

Without the 16 low-disclosure peers, this plan is at the 60th percentile of 74 comparable plans (your plan plus 73 peers).

Employer-paid $127,981 benchmarked for 2024 · Voluntary $5,919 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

4.8%

Peer median 3.5%

Above peer range

Dental

14.7%

Peer median 6.9%

Above peer range

Short-term disability

23.5%

Peer median 15.2%

Above peer range

Long-term disability

23.6%

Peer median 16.8%

Above peer range

Life

23.9%

Peer median 14.7%

Above peer range

Vision

12.9%

Peer median 9.8%

Above peer range

Voluntary / worksite

30.3%

Peer median 18.4%

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 $133,900 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 / training

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”	Medical Mutual	4.8%	med 3.5%	Above peer range
Dental	The Lincoln National Life Insurance Company - DentalPlan 501 · 120 lives · Dental	14.7%	med 6.9%	Above peer range
Short-term disability · contract 000010273492	The Lincoln National Life Insurance Company - StdPlan 501 · 35 lives · Short-term disability	23.5%	med 15.2%	Above peer range
Short-term disability · contract 000010273490	The Lincoln National Life Insurance Company - StdPlan 501 · 72 lives · Short-term disability	23.5%	med 15.2%	Above peer range
Long-term disability	The Lincoln National Life Insurance Company - Ltd	23.6%	med 16.8%	Above peer range
Life (basic)	The Lincoln National Life Insurance Company - Vol Life	23.9%	med 14.7%	Above peer range
Life (AD&D)	The Lincoln National Life Insurance Company - Add & Life	24.2%	med 14.7%	Above peer range
Vision	The Lincoln National Life Insurance Company - Vision	12.9%	med 9.8%	Above peer range
Voluntary / worksitefiled as “Other (CRITICAL ILLNESS)”	The Lincoln National Life Insurance Company - Critical Illness	30.3%	med 18.4%	Above peer range

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

Voluntary / worksite — The Lincoln National Life Insurance Company - Accident — Premium under $10,000 is too small to compare
Dental — The Lincoln National Life Insurance Company - Dental — Premium under $10,000 is too small to compare

How the peer group for each line was built

Medical: n=3,704 contracts, Midwest, 101-500 covered lives
Dental: n=2,579 contracts, Midwest, 101-500 covered lives
Short-term disability: n=535 contracts, Midwest, 1-100 covered lives
Long-term disability: n=553 contracts, Midwest, 1-100 covered lives
Life: n=2,636 contracts, Midwest, 101-500 covered lives
Vision: n=3,182 contracts, Midwest, 101-500 covered lives
Voluntary / worksite: n=2,080 contracts, Midwest, 1-100 covered lives
Dental: n=649 contracts, Midwest, 1-100 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. 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 501COASTAL PET PRODUCTS, INC. PREMIUM EXPENSE FLEXIBLE SPENDING ACCOUNT PLAN266 participants (2024)

HealthDentalLife insuranceShort-term disabilityLong-term disabilityApprenticeship / trainingFully insured · 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 continuityFiled brokername changed

Broker setup2 brokers in 20247 across all years

Most

Peer benchmarkManufacturing — Heavyn=90 · state peers

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How do similar employers compare?

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

Browse more: Ohio employer health plans · Manufacturing — Heavy plans in Ohio · 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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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.