KSA CONSULTING LLC
EIN 36-4610991 · MI · Ambulatory / Outpatient Care
This filing doesn't itemize broker compensation the way most peer employers do. That can be a clean fee arrangement — or pay baked into premium. Peer market rates for similar plans are below.
2022: $45,395 shown as filed, excluded as a likely filing error · 2019: $17,073 shown as filed, excluded as a likely filing error · 2018: $18,465 shown as filed, excluded as a likely filing error · 2017: $24,063 shown as filed, excluded as a likely filing error · 2016: $23,051 shown as filed, excluded as a likely filing error
Benchmarked against: Ambulatory / Outpatient Care · 1–100 employees · same industry, regional · n=29 employers
Your exact in-state peer group was below the 10-plan minimum, so the comparison broadens to same industry, regional within Ambulatory / Outpatient Care.
9
(2021)
Self-fundedSelf-funded (incl. mixed, stop-loss and level-funded).
Funding
Voluntary only
Broker pay, employer-paid lines (2021)
—
Lines disclosed: Dental · Vision
Broker pay as a share of insured premium: 0.0% (peer median 0.0%, 1st percentile).
Without the 9 low-disclosure peers, this plan is the lowest disclosed broker pay among 20 comparable plans (your plan plus 19 peers).
Employer-paid $0 benchmarked for 2021 · Voluntary $14,984 shown separately, compared by rate only · $24,617 shown as filed, excluded as a likely filing error
Why excluded?
1 broker compensation line totaling $24,617 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.
Showing 2021, the latest year with a complete peer group. A 2022 filing is on file and appears in broker history; it is not benchmarked yet.
Why 2021?
The figures above use 2021, the latest year we can compare with similar employers. A filing for 2022 is on file. 2022 reports only a token amount of broker pay, under $5,000. That is too small to compare with other employers. 2022 broker pay on file so far totals $3,964 across all lines, about 74% less than the $14,984 for 2021. Rows for 2022 stay in the broker history and stay out of the headline and the peer comparison.
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.
Voluntary / worksite
16.8%
Peer median 16.8%
Within peer rangeVoluntary / worksite premium is typically paid by employees through payroll deduction, so commission on those lines comes out of employee money rather than company money.
Dental and Vision are 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.
Life is not on this filing as its own contract, so there is no peer rate to show for it.
Where the $14,984 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).
Broker history
Benefit lines covered by year — broker identity limited on public pages
The 2022 filing reports only a token amount of broker pay, under $5,000. The analysis year is 2021, 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 2021 — the same year as the headline figure and per-participant rate above. The 2022 filing reports only a token amount of broker pay, under $5,000.
| Benefit line | Contract | Rate | vs. peers | Position |
|---|---|---|---|---|
| Voluntary / worksitefiled as “Life, Other (AD&D/ ACCIDENT)” | Hartford Life and Accident | 16.8% | 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 |
|---|---|---|---|
| Medical + Dental + Vision | Aetna Life Insurance Co.Plan 501 | 1.0% | Bundled; no single-line peer |
How the peer group for each line was built
- Voluntary / worksite: n=1,951 contracts, Midwest, 101-500 covered lives
n = the number of peer contracts in that comparison group.
Everything in this table is from the 2021 filing. These 2 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. 2022 is not rated here. Its rows appear in Broker history above as filed — pick 2022 on the year chips there to see them.
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 501KSA CONSULTING LLC HEALTH AND WELFARE PLAN8 participants (2022)HealthDentalLife insuranceShort-term disabilityOtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 7 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
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How do similar employers compare?
Employers in the same peer group (Ambulatory / Outpatient Care, similar size), from public Form 5500 filings. Open one to see what it pays its broker.
- FALLON SERVICESMassachusettsCompensation disclosed →
- ST ANN CORPORATIONMichiganCompensation disclosed →
- MILLBROOKE, INC.IllinoisCompensation disclosed →
- CINCINNATI HEALTHCARE LLCOhioCompensation disclosed →
- NURSES NOOK INCArizonaCompensation disclosed →
Browse more: Michigan employer health plans · Ambulatory / Outpatient Care plans in Michigan · all states
Sourced from Form 5500 filings as submitted to the U.S. Department of Labor. Analysis year: 2021; newest plan year with a filing on file: 2022. 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.