HUBBARD BROADCASTING, INC.

EIN 41-1427680 · MN · Other

Compensation disclosed3 brokers of record, 2021–2025As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Employer-paid broker pay2025 · analysis: $96,0272024: $13,0932023: $11,9482022: $11,9722021: $12,373

Benchmarked against: Other · 501–2,500 employees · same industry, in-state · n=40 employers (your plan plus 39 peers)

1,660

(latest)

Self-fundedSelf-funded (incl. mixed, stop-loss and level-funded).

Funding

$96,027

Broker pay, employer-paid lines (2025)

$4.82

41st pct vs peers · n=40

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

Broker pay as a share of insured premium: 4.5% (peer median 10.7%, 28th percentile).

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: same region, similar covered lives. Full table below. How the national rates are built.

Dental

0.9%

Peer median 5.0%

Below peer range

Life

6.9%

Peer median 11.3%

Within peer range

Long-term disability

6.9%

Peer median 9.0%

Within peer range

Vision

2.1%

Peer median 9.9%

Below peer range

Where the $96,027 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)

HealthShort-term disabilityLife insuranceSeveranceDentalApprenticeship / training

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 2025 — 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 coverages in this filing are the insured ancillary lines — dental, vision, life, disability. Schedule C captures advisor pay two ways: paid directly from plan assets, or received indirectly from a carrier or vendor in connection with the plan. This plan has no Schedule C on file — so any advisor compensation beyond those ancillary lines isn't captured in this filing.

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 line	Contract	Rate	vs. peers	Position
Dental	Delta Dental of Minnesota	0.9%	med 5.0%	Below peer range
Life · contract 681021G	Hartford Life and AccidentPlan 501 · 1,304 lives · Life	6.9%	med 11.3%	Within peer range
Long-term disability	Hartford Life and Accident	6.9%	med 9.0%	Within peer range
Vision	Vision Service Plan	2.1%	med 9.9%	Below peer range
Life · contract ADDS08302	Hartford Life and AccidentPlan 501 · 1,304 lives · Other (AD&D)	14.2%	med 11.3%	Within peer range

How the peer group for each line was built

Dental: n=576 contracts, Midwest, 501-2500 covered lives
Life: n=720 contracts, Midwest, 501-2500 covered lives
Long-term disability: n=397 contracts, Midwest, 501-2500 covered lives
Vision: n=971 contracts, Midwest, 501-2500 covered lives

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

Everything in this table is from the 2025 filing. These 5 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.

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.

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 501HUBBARD BROADCASTING, INC. EMPLOYEE BENEFITS PLAN1.7K participants (2025)

HealthShort-term disabilityLife insuranceSeveranceDentalApprenticeship / trainingSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded).

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PN 513HUBBARD BROADCASTING, INC. SECTION 125 CAFETERIA PLAN0 participants (2024)

HealthSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 4 years on file

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PN 518HUBBARD BROADCASTING, INC. DENTAL PLAN0 participants (2024)

Life insuranceFully insured · 4 years on file

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PN 510HUBBARD BROADCASTING, INC. GROUP TERM LIFE INSURANCE0 participants (2024)

DentalFully insured · 4 years on file

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PN 516HUBBARD BROADCASTING, INC. HEALTH CARE PLAN0 participants (2024)

HealthSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 4 years on file

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PN 520HUBBARD BROADCASTING, INC. VISION SERVICES PLAN0 participants (2024)

Short-term disabilityFully insured · 4 years on file

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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

Primary brokerLimited on public pages

Years on file5

Lead broker continuityFiled brokername changed

Broker setup1 broker in 20253 across all years

Most

Peer benchmarkOthern=40 · state 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: Minnesota employer health plans · Other plans in Minnesota · all states

Sourced from Form 5500 filings as submitted to the U.S. Department of Labor. Most recent plan year 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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