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WISCONSIN BANKERS ASSOCIATION INSURANCE TRUST FUND

EIN 39-6046865 · WI · Other

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Compensation disclosed6 brokers of record, 2021–2025As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.
Employer-paid broker pay2025: $899,6012024 · analysis: $940,9322023: $866,3842022: $602,1372021: $554,867

Benchmarked against: Other · 2,501–10,000 employees · same industry, regional · n=87 employers

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

3,126

(2024)

Self-funded

Funding

$940,932

Broker pay, employer-paid lines (2024)

$25.08

2024

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

Broker pay as a share of insured premium: 2.3% (peer median n/a, percentile unavailable).

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.

Medical

1.7%

736 peer contracts — p25 1.5% · median 2.6% · p75 4.0%. This contract: 1.7%.

Peer median 2.6%

Within peer range

Dental

4.8%

800 peer contracts — p25 2.8% · median 4.8% · p75 8.1%. This contract: 4.8%.

Peer median 4.8%

Within peer range

Life

8.0%

1,131 peer contracts — p25 5.0% · median 10.9% · p75 16.0%. This contract: 8.0%.

Peer median 10.9%

Within peer range

Long-term disability

8.0%

557 peer contracts — p25 4.3% · median 8.9% · p75 15.0%. This contract: 8.0%.

Peer median 8.9%

Within peer range

Vision

5.0%

1,235 peer contracts — p25 4.7% · median 9.4% · p75 10.1%. This contract: 5.0%.

Peer median 9.4%

Within peer range

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Where the $940,932 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)

HealthDentalLife insuranceLong-term disabilityApprenticeship / trainingOtherMultiple-employer arrangement

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.

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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 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 lineContractRatevs. peersPosition
Medical ($0 premium)UnitedHealthcare Insurance CompanyPlan 501 · 2,410 lives · Health1.7%736 peer contracts — p25 1.5% · median 2.6% · p75 4.0%. This contract: 1.7%.med 2.6%Within peer range
Medical ($0 premium)UnitedHealthcare Insurance CompanyPlan 502 · 970 lives · Health1.7%736 peer contracts — p25 1.5% · median 2.6% · p75 4.0%. This contract: 1.7%.med 2.6%Within peer range
Medical ($0 premium)Wisconsin Physicians Service Insurance Corporation1.9%3,704 peer contracts — p25 2.5% · median 3.5% · p75 4.3%. This contract: 1.9%.med 3.5%Below peer range
Dental · contract 02513 00000Delta Dental of WisconsinPlan 501 · 1,216 lives · Dental4.8%800 peer contracts — p25 2.8% · median 4.8% · p75 8.1%. This contract: 4.8%.med 4.8%Within peer range
Lifefiled as “Life, Other (AD&D)”The Lincoln National Life Insurance Company8.0%1,131 peer contracts — p25 5.0% · median 10.9% · p75 16.0%. This contract: 8.0%.med 10.9%Within peer range
Dental · contract 02613 00000Delta Dental of WisconsinPlan 501 · 452 lives · Dental4.7%2,579 peer contracts — p25 4.8% · median 6.9% · p75 10.0%. This contract: 4.7%.med 6.9%Below peer range
Long-term disabilityThe Lincoln National Life Insurance Company8.0%557 peer contracts — p25 4.3% · median 8.9% · p75 15.0%. This contract: 8.0%.med 8.9%Within peer range
Dental · contract 01216 00000Delta Dental of WisconsinPlan 501 · 299 lives · Dental4.4%2,579 peer contracts — p25 4.8% · median 6.9% · p75 10.0%. This contract: 4.4%.med 6.9%Below peer range
Dental · contract 11220 00000Delta Dental of WisconsinPlan 501 · 283 lives · Dental4.7%2,579 peer contracts — p25 4.8% · median 6.9% · p75 10.0%. This contract: 4.7%.med 6.9%Below peer range
Dental · contract 11320 00000Delta Dental of WisconsinPlan 501 · 193 lives · Dental4.7%2,579 peer contracts — p25 4.8% · median 6.9% · p75 10.0%. This contract: 4.7%.med 6.9%Below peer range
Dental · contract 06317 00000Delta Dental of WisconsinPlan 501 · 80 lives · Dental5.1%649 peer contracts — p25 6.0% · median 7.7% · p75 10.1%. This contract: 5.1%.med 7.7%Below peer range
Dental · contract 08418 00000Delta Dental of WisconsinPlan 501 · 87 lives · Dental4.7%649 peer contracts — p25 6.0% · median 7.7% · p75 10.1%. This contract: 4.7%.med 7.7%Below peer range
VisionNgl5.0%1,235 peer contracts — p25 4.7% · median 9.4% · p75 10.1%. This contract: 5.0%.med 9.4%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.

CoversContractEffective ratevs. peers
Other benefitWEEKLY INCOMEThe Lincoln National Life Insurance CompanyPlan 5018.0%No comparable line
2 contracts under $10,000 in premium — listed for completeness, not compared to peers. Show
  • Dental — Delta Dental of Wisconsin — Premium under $10,000 is too small to compare
  • Dental — Delta Dental of Wisconsin — Premium under $10,000 is too small to compare
How the peer group for each line was built
  • Medical: n=736 contracts, Midwest, 501-2500 covered lives
  • Medical: n=3,704 contracts, Midwest, 101-500 covered lives
  • Dental: n=800 contracts, Midwest, 501-2500 covered lives
  • Life: n=1,131 contracts, Midwest, 501-2500 covered lives
  • Dental: n=2,579 contracts, Midwest, 101-500 covered lives
  • Long-term disability: n=557 contracts, Midwest, 501-2500 covered lives
  • Dental: n=649 contracts, Midwest, 1-100 covered lives
  • Vision: n=1,235 contracts, Midwest, 501-2500 covered lives

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

Everything in this table is from the 2024 filing. These 16 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.

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 501WISCONSIN BANKERS ASSOCIATION INSURANCE TRUST FUND3.1K participants (2025)
HealthDentalLife insuranceLong-term disabilityApprenticeship / trainingOtherMultiple-employer arrangementSelf-funded · 5 years on file

Loading contracts…

PN 502WISCONSIN BANKERS ASSOCIATION INSURANCE TRUST - ASSOCIATION HEALTH PLAN1.1K participants (2025)
HealthSelf-funded · 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 continuityFiled brokername changed
Broker setup5 brokers in 20246 across all years
Most
Peer benchmarkOthern=87 · regional peers

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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.

Browse more: Wisconsin employer health plans · Other plans in Wisconsin · 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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