ALLY FINANCIAL INC.

EIN 38-0572512 · MI · Insurance / Financial Services

Compensation disclosed12 brokers of record, 2021–2025As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Employer-paid broker pay2025: $487,5412024 · analysis: $559,3932023: $492,2682022: $504,2532021: $395,566

Benchmarked against: All industries · 10,001–50,000 employees · all industries at this size, nationwide · n=706 employers (your plan plus 705 peers)

Fewer than the minimum (10) insurance / financial services employers of this size had broker pay on file, so the comparison widens to all industries at this size. The 706 figure is not insurance / financial services companies — it's every sector at your employee-size band, nationwide.

10,642

(2024)

Fully insured

Funding

$559,393

Broker pay, employer-paid lines (2024)

$4.38

2024 · 67th pct vs peers · n=706

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

Broker pay as a share of insured premium: 8.8% (peer median 4.6%, 79th percentile).

Without the 118 low-disclosure peers, this plan is at the 64th percentile of 588 comparable plans (your plan plus 587 peers).

Employer-paid $559,393 benchmarked for 2024 · Voluntary $514,298 shown separately, compared by rate only

Showing 2024, the latest year with a complete peer group. A 2025 filing is on file and appears in broker history; it is not benchmarked yet.

Why 2024?

The figures above use 2024, the latest year we can compare with similar employers. A filing for 2025 is on file. Most employers have not filed for 2025 yet, so there is no complete peer group to compare it with. Rows for 2025 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.

Life

4.5%

Peer median 2.9%

Within peer range

Voluntary / worksite

3.9%

Peer median 9.9%

Below peer range

Short-term disability

9.4%

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.

Dental and Vision are not on this filing as their own contracts, so there is no peer rate to show for them.

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 $1,073,691 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)

SeveranceOtherHealthDentalLife 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:

The 2025 filing is on file and its figures are shown as filed, but most employers have not filed 2025 yet, so it is not compared with peers. The analysis year is 2024, the latest year that is complete and benchmarked.

Broker identity on this page is limited for public viewers. Sign in with your work email or share your plan basics for the full breakdown on your company.

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 2024 — the same year as the headline figure and per-participant rate above. The 2025 filing is on file and its figures are shown as filed, but most employers have not filed 2025 yet, so it is not compared with peers.

Benefit line	Contract	Rate	vs. peers	Position
Lifefiled as “Life, Other (ACCIDENTAL DEATH & DI…”	Securian Life Insurance Company	4.5%	med 2.9%	Within peer range
Voluntary / worksite (CRITICAL ILLNESS/ CRITICAL ACCIDENT)multi-product: accident + critical illness	Unum Life Insurance Company of America	3.9%	med 9.9%	Below peer range
Voluntary / worksite (basic)	Unum Insurance Company	15.7%	med 20.0%	Within peer range
Short-term disability	First Unum Life Insurance Company	9.4%	med 12.6%	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
Short-term disability + Long-term disability	Provident Life and Accident Insurance CompanyPlan 525	22.7%	Bundled; no single-line peer

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

Life — National Union Fire Ins. Co. of Pittsburgh, PA — Premium under $10,000 is too small to compare

How the peer group for each line was built

Life: n=203 contracts, Midwest, 10001-50000 covered lives
Voluntary / worksite: n=32 contracts, Midwest, 10001-50000 covered lives
Voluntary / worksite: n=219 contracts, Midwest, 2501-10000 covered lives
Short-term disability: n=1,155 contracts, Midwest, 101-500 covered lives

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

Everything in this table is from the 2024 filing. These 6 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. 2025 is not rated here. Its rows appear in Broker history above as filed — pick 2025 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 555ALLY FINANCIAL INC. BUSINESS TRAVEL ACCIDENT PLAN10K participants (2025)

SeveranceOtherFully insured · 5 years on file

Loading contracts…

PN 525ALLY FINANCIAL INC. WELFARE BENEFIT PLAN10K participants (2025)

HealthDentalLife insuranceShort-term disabilityLong-term disabilityApprenticeship / trainingSeveranceOtherFully insured · 5 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 file5

Lead broker continuitySame primary broker

Broker setup10 brokers in 202412 across all years

Most

Peer benchmarkAll Industriesn=706 · all industries, your size

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How do similar employers compare?

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

Browse more: Michigan employer health plans · Insurance / Financial Services plans in Michigan · all states

Sourced from Form 5500 filings as submitted to the U.S. Department of Labor. Analysis year: 2024; newest plan year with a filing 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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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.