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CIENA HEALTHCARE MANAGEMENT, INC HEALTH AND WELFARE PLAN

EIN 38-3439639 · MI · Health System / Hospital

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Compensation disclosed347 brokers of record, 2017–2024As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.
Employer-paid broker pay2024 · analysis: $472,0222023: $87,9052022: Not reported2021: Not reported2018: $112,2852017: $117,559

Benchmarked against: Health System / Hospital · 2,501–10,000 employees · same industry, regional · n=60 employers (your plan plus 59 peers)

Your exact in-state peer group was below the 10-plan minimum, so the comparison broadens to same industry, regional within Health System / Hospital.

6,059

(latest)

Self-funded

Funding

$472,022

Broker pay, employer-paid lines (2024)

$6.49

61st pct vs peers · n=60

Lines disclosed: Dental · Vision

Broker pay as a share of insured premium: 2.3% (peer median 8.7%, 9th percentile).

Without the 4 low-disclosure peers, this plan is at the 58th percentile of 56 comparable plans (your plan plus 55 peers).

Per-participant and share-of-premium comparisons differ because your plan insures fewer lines than most peers. The line-by-line rates below are the most direct comparison.

Employer-paid $472,022 benchmarked for 2024 · Voluntary $353,454 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

2.9%

1,578 peer contracts — p25 2.7% · median 4.0% · p75 5.1%. This contract: 2.9%.

Peer median 4.0%

Within peer range

Dental, Vision, and Life 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.

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 $825,476 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)

HealthDentalSeveranceLife insuranceShort-term disabilityLong-term disability

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 lineContractRatevs. peersPosition
Medical ($0 premium)Blue Cross Blue Shield of MichiganPlan 501 · 88 lives · Health2.9%1,578 peer contracts — p25 2.7% · median 4.0% · p75 5.1%. This contract: 2.9%.med 4.0%Within peer range
Medical ($0 premium)Blue Care Network of MichiganPlan 501 · 86 lives · Health, Prescription drug5.0%1,578 peer contracts — p25 2.7% · median 4.0% · p75 5.1%. This contract: 5.0%.med 4.0%Within peer range
Medical ($0 premium)Priority HealthPlan 501 · 112 lives · Health1.0%3,704 peer contracts — p25 2.5% · median 3.5% · p75 4.3%. This contract: 1.0%.med 3.5%Below peer range
Medical ($0 premium)Priority HealthPlan 501 · 108 lives · Health1.2%3,704 peer contracts — p25 2.5% · median 3.5% · p75 4.3%. This contract: 1.2%.med 3.5%Below peer range
Medical ($0 premium)Blue Care Network of MichiganPlan 501 · 69 lives · Health, Prescription drug5.0%1,578 peer contracts — p25 2.7% · median 4.0% · p75 5.1%. This contract: 5.0%.med 4.0%Within peer range
Medical ($0 premium)Blue Cross Blue Shield of MichiganPlan 501 · 48 lives · Health4.8%1,578 peer contracts — p25 2.7% · median 4.0% · p75 5.1%. This contract: 4.8%.med 4.0%Within peer range
Medical ($0 premium)Priority HealthPlan 501 · 87 lives · Health1.0%1,578 peer contracts — p25 2.7% · median 4.0% · p75 5.1%. This contract: 1.0%.med 4.0%Below peer range
Medical ($0 premium)Priority HealthPlan 501 · 110 lives · Health1.0%3,704 peer contracts — p25 2.5% · median 3.5% · p75 4.3%. This contract: 1.0%.med 3.5%Below peer range
Medical ($0 premium)Priority HealthPlan 501 · 106 lives · Health1.2%3,704 peer contracts — p25 2.5% · median 3.5% · p75 4.3%. This contract: 1.2%.med 3.5%Below peer range
Medical ($0 premium)Priority HealthPlan 501 · Health1.1%30,092 peer contracts — p25 2.9% · median 4.2% · p75 5.3%. This contract: 1.1%.med 4.2%Below peer range
Medical ($0 premium)Priority HealthPlan 501 · 87 lives · Health1.0%1,578 peer contracts — p25 2.7% · median 4.0% · p75 5.1%. This contract: 1.0%.med 4.0%Below peer range
Medical ($0 premium)Priority HealthPlan 501 · 57 lives · Health1.0%1,578 peer contracts — p25 2.7% · median 4.0% · p75 5.1%. This contract: 1.0%.med 4.0%Below peer range
Medical ($0 premium)Priority HealthPlan 501 · Health1.0%30,092 peer contracts — p25 2.9% · median 4.2% · p75 5.3%. This contract: 1.0%.med 4.2%Below peer range
Medical ($0 premium)Priority HealthPlan 501 · Health1.1%30,092 peer contracts — p25 2.9% · median 4.2% · p75 5.3%. This contract: 1.1%.med 4.2%Below peer range
Medical ($0 premium)Priority HealthPlan 501 · Health1.0%30,092 peer contracts — p25 2.9% · median 4.2% · p75 5.3%. This contract: 1.0%.med 4.2%Below peer range
Medical ($0 premium)Priority HealthPlan 501 · 75 lives · Health1.0%1,578 peer contracts — p25 2.7% · median 4.0% · p75 5.1%. This contract: 1.0%.med 4.0%Below peer range
Medical ($0 premium)Priority HealthPlan 501 · 69 lives · Health1.0%1,578 peer contracts — p25 2.7% · median 4.0% · p75 5.1%. This contract: 1.0%.med 4.0%Below peer range
Medical ($0 premium)Priority HealthPlan 501 · 63 lives · Health1.0%1,578 peer contracts — p25 2.7% · median 4.0% · p75 5.1%. This contract: 1.0%.med 4.0%Below peer range
Medical ($0 premium)Priority HealthPlan 501 · Health1.1%30,092 peer contracts — p25 2.9% · median 4.2% · p75 5.3%. This contract: 1.1%.med 4.2%Below peer range
Medical ($0 premium)Priority HealthPlan 501 · 165 lives · Health1.1%3,704 peer contracts — p25 2.5% · median 3.5% · p75 4.3%. This contract: 1.1%.med 3.5%Below peer range
Medical ($0 premium)Priority HealthPlan 501 · 82 lives · Health1.0%1,578 peer contracts — p25 2.7% · median 4.0% · p75 5.1%. This contract: 1.0%.med 4.0%Below peer range
Medical ($0 premium)Priority HealthPlan 501 · Health1.0%30,092 peer contracts — p25 2.9% · median 4.2% · p75 5.3%. This contract: 1.0%.med 4.2%Below peer range
Medical ($0 premium)Priority HealthPlan 501 · 55 lives · Health1.0%1,578 peer contracts — p25 2.7% · median 4.0% · p75 5.1%. This contract: 1.0%.med 4.0%Below peer range
Medical ($0 premium)Priority HealthPlan 501 · 50 lives · Health1.0%1,578 peer contracts — p25 2.7% · median 4.0% · p75 5.1%. This contract: 1.0%.med 4.0%Below peer range
Medical ($0 premium)Priority HealthPlan 501 · Health1.0%30,092 peer contracts — p25 2.9% · median 4.2% · p75 5.3%. This contract: 1.0%.med 4.2%Below peer range
Medical ($0 premium)Priority HealthPlan 501 · 1 lives · Health1.2%1,578 peer contracts — p25 2.7% · median 4.0% · p75 5.1%. This contract: 1.2%.med 4.0%Below peer range
Medical ($0 premium)Priority HealthPlan 501 · Health1.0%30,092 peer contracts — p25 2.9% · median 4.2% · p75 5.3%. This contract: 1.0%.med 4.2%Below peer range
Medical ($0 premium)Priority HealthPlan 501 · Health1.0%30,092 peer contracts — p25 2.9% · median 4.2% · p75 5.3%. This contract: 1.0%.med 4.2%Below peer range
Medical ($0 premium)Priority HealthPlan 501 · 125 lives · Health1.1%3,704 peer contracts — p25 2.5% · median 3.5% · p75 4.3%. This contract: 1.1%.med 3.5%Below peer range
Medical ($0 premium)Priority HealthPlan 501 · 110 lives · Health1.1%3,704 peer contracts — p25 2.5% · median 3.5% · p75 4.3%. This contract: 1.1%.med 3.5%Below peer range
Medical ($0 premium)Priority HealthPlan 501 · 97 lives · Health1.1%1,578 peer contracts — p25 2.7% · median 4.0% · p75 5.1%. This contract: 1.1%.med 4.0%Below peer range
Medical ($0 premium)Priority HealthPlan 501 · 55 lives · Health1.0%1,578 peer contracts — p25 2.7% · median 4.0% · p75 5.1%. This contract: 1.0%.med 4.0%Below peer range
Medical ($0 premium)Priority HealthPlan 501 · 94 lives · Health1.1%1,578 peer contracts — p25 2.7% · median 4.0% · p75 5.1%. This contract: 1.1%.med 4.0%Below peer range
Medical ($0 premium)Priority HealthPlan 501 · Health1.0%30,092 peer contracts — p25 2.9% · median 4.2% · p75 5.3%. This contract: 1.0%.med 4.2%Below peer range
Medical ($0 premium)Priority HealthPlan 501 · 27 lives · Health1.0%1,578 peer contracts — p25 2.7% · median 4.0% · p75 5.1%. This contract: 1.0%.med 4.0%Below peer range
Medical ($0 premium)Priority HealthPlan 501 · 80 lives · Health1.1%1,578 peer contracts — p25 2.7% · median 4.0% · p75 5.1%. This contract: 1.1%.med 4.0%Below peer range
Medical ($0 premium)Priority HealthPlan 501 · 99 lives · Health1.1%1,578 peer contracts — p25 2.7% · median 4.0% · p75 5.1%. This contract: 1.1%.med 4.0%Below peer range
Medical ($0 premium)Priority HealthPlan 501 · 74 lives · Health1.1%1,578 peer contracts — p25 2.7% · median 4.0% · p75 5.1%. This contract: 1.1%.med 4.0%Below peer range
Medical ($0 premium)Priority HealthPlan 501 · 61 lives · Health1.1%1,578 peer contracts — p25 2.7% · median 4.0% · p75 5.1%. This contract: 1.1%.med 4.0%Below peer range
Medical ($0 premium)Priority HealthPlan 501 · 58 lives · Health1.1%1,578 peer contracts — p25 2.7% · median 4.0% · p75 5.1%. This contract: 1.1%.med 4.0%Below peer range
Medical ($0 premium)Priority HealthPlan 501 · 66 lives · Health1.1%1,578 peer contracts — p25 2.7% · median 4.0% · p75 5.1%. This contract: 1.1%.med 4.0%Below peer range
Medical ($0 premium)Priority HealthPlan 501 · 58 lives · Health1.1%1,578 peer contracts — p25 2.7% · median 4.0% · p75 5.1%. This contract: 1.1%.med 4.0%Below peer range
Medical ($0 premium)Priority HealthPlan 501 · 27 lives · Health1.1%1,578 peer contracts — p25 2.7% · median 4.0% · p75 5.1%. This contract: 1.1%.med 4.0%No commission on this contract
Medical ($0 premium)Priority HealthPlan 501 · 17 lives · Health1.0%1,578 peer contracts — p25 2.7% · median 4.0% · p75 5.1%. This contract: 1.0%.med 4.0%No commission on this contract

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.

CoversContractEffective ratevs. peers
Medical + Dental + VisionBlue Cross Blue Shield of MichiganPlan 5013.1%Bundled; no single-line peer
Life + Short-term disability + Long-term disabilityAflacPlan 50118.1%Bundled; no single-line peer
Medical + Dental + VisionBlue Care Network of MichiganPlan 5013.1%Bundled; no single-line peer
Medical + VisionBlue Care Network of MichiganPlan 5018.0%Bundled; no single-line peer
Medical + VisionBlue Care Network of MichiganPlan 5015.2%Bundled; no single-line peer
Dental + VisionBlue Cross Blue Shield of MichiganPlan 5018.4%Bundled; no single-line peer
5 contracts under $10,000 in premium — listed for completeness, not compared to peers. Show
  • Medical — Priority Health — Premium under $10,000 is too small to compare
  • Medical — Priority Health — Premium under $10,000 is too small to compare
  • Medical — Priority Health — Premium under $10,000 is too small to compare
  • Medical — Priority Health — Premium under $10,000 is too small to compare
  • Medical — Priority Health — Premium under $10,000 is too small to compare
How the peer group for each line was built
  • Medical: n=1,578 contracts, Midwest, 1-100 covered lives
  • Medical: n=3,704 contracts, Midwest, 101-500 covered lives
  • Medical: n=30,092 contracts, national

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

Everything in this table is from the 2024 filing. These 55 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.

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. 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 501CIENA HEALTHCARE MANAGEMENT, INC HEALTH AND WELFARE PLAN6.1K participants (2024)
HealthDentalSeveranceLife insuranceShort-term disabilityLong-term disabilitySelf-funded · 6 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 setup140 brokers in 2024347 across all years
Most
Peer benchmarkHealth System / Hospitaln=60 · regional peers

Is this your company?

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Or share your plan basics to unlock your company’s full detail — the report PDF itself is a separate purchase.

How do similar employers compare?

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

Browse more: Michigan employer health plans · Health System / Hospital plans in Michigan · 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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