HARLEY-DAVIDSON FINANCIAL SERVICES, INC.
Formerly HARLEY-DAVIDSON FINANCIAL SERVICES
EIN 36-3826287 · IL · Other
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(2018)
Self-fundedSelf-funded (incl. mixed, stop-loss and level-funded).
Funding
$10,044
Broker pay, employer-paid lines (2018)
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Showing 2018, the latest year with a complete peer group. A 2021 filing is on file and appears in broker history; it is not benchmarked yet.
Why 2018?
The figures above use 2018, the latest year we can compare with similar employers. A filing for 2021 is on file. Only a smaller plan has filed for 2021 so far. The main plan's filing is not in yet, so that year cannot carry the comparison. Rows for 2021 stay in the broker history and stay out of the headline and the peer comparison.
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.
Life
4.0%
No peer cell
Dental and Vision are not on this filing as their own contracts, so there is no peer rate to show for them.
Where the $10,044 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)
From the Form 5500 welfare benefit codes — the authoritative list of what the plan covers, including medical (health).
Disclosure opacity
What this filing doesn't show
This filing discloses no compensation on a health or stop-loss contract for 2021 — the plan's largest lines are absent from the public record. That is typical for self-funded plans, not reassuring: 53% of self-funded health plans with 100+ participants disclose the same — nothing (42K plans reviewed, 2024 filings). How we count this. The compensation still exists — under ERISA Section 408(b)(2), it must be disclosed in writing to the plan fiduciary on request.
Get the 408(b)(2) disclosure request letter — a ready-to-send request for the compensation this filing doesn't show. Free with an employer account.
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 lines below are the insured ancillary coverages — dental, vision, life, disability. Self-funded medical broker or consultant fees paid from plan assets are reported on Schedule C — shown below, tagged Sch. C. What Schedule C does not capture is advisor pay the employer makes from its own corporate funds instead of plan assets, which is not reportable, so the filed figure can be lower than what an advisor is paid in total.
The 2021 filings on file so far are from smaller plans; the main plan has not filed 2021 yet. The analysis year is 2018, the latest year that is complete and benchmarked.
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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.
Analysis year 2018 — the same year as the headline figure and per-participant rate above. The 2021 filings on file so far are from smaller plans; the main plan has not filed 2021 yet.
| Benefit line | Contract | Rate | vs. peers | Position |
|---|---|---|---|---|
| Life (OPTIONAL LIFE INSURANCE) | Prudential Insurance Company of AmericaPlan 504 · 656 lives · Life, Other (OPTIONAL LIFE INSURAN… | 4.0% | No peer cell | No peer cell |
| Life (BASIC LIFE INSURANCE) | Prudential Insurance Company of AmericaPlan 504 · 573 lives · Life, Other (BASIC LIFE INSURANCE) | 4.0% | No peer cell | No commission on this contract |
1 contract under $10,000 in premium — listed for completeness, not compared to peers. Show
- Life — Prudential Insurance Company of America — Premium under $10,000 is too small to compare
Everything in this table is from the 2018 filing. These 3 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. 2021 is not rated here. Its rows appear in Broker history above as filed — pick 2021 on the year chips there to see them.
No peer cell met the minimum sample size for these lines, so rates are shown without a market position. 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. A near-zero rate on a large premium usually means the broker is paid elsewhere (through a bundled contract, a Schedule C fee, or commission on other lines), so no market position is shown for that contract.
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 505HARLEY-DAVIDSON FINANCIAL SERVICES, INC. EMPLOYEE FSA PLAN0 participants (2021)HealthSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded).
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PN 504HARLEY-DAVIDSON FINANCIAL SERVICES EMPLOYEE LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT PLAN0 participants (2018)DentalSeveranceFully insured
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PN 501HARLEY-DAVIDSON FINANCIAL SERVICES, INC. EMPLOYEE WELFARE BENEFIT PLAN0 participants (2018)HealthLife insuranceShort-term disabilitySelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded).
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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
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How do similar employers compare?
Employers in the same peer group (Other, similar size), from public Form 5500 filings. Open one to see what it pays its broker.
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Sourced from Form 5500 filings as submitted to the U.S. Department of Labor. Analysis year: 2018; newest plan year with a filing on file: 2021. 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.