ACEC LIFE/HEALTH INSURANCE TRUST BENEFIT CONSORTIUM

EIN 43-6078303 · TX · Insurance / Financial Services

Compensation disclosed731 brokers of record, 2021–2025As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Employer-paid broker pay2025: Not reported2024: Not reported2023 · analysis: $19,221,7802022: $444,0102021: $11,771,008

Benchmarked against: Insurance / Financial Services · 10,001–50,000 employees · same industry, nationwide · n=51 employers

Your exact in-state peer group was below the 10-plan minimum, so the comparison broadens to same industry, nationwide within Insurance / Financial Services.

34,732

(2023)

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

Funding

$19,221,780

Broker pay, employer-paid lines (2023)

$46.12

2023

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

Broker pay as a share of insured premium: 4.7% (peer median n/a, percentile unavailable).

Showing 2023, 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 2023?

The figures above use 2023, the latest year we can compare with similar employers. A filing for 2024–2025 is on file. 2024 reports only a token amount of broker pay, under $5,000. That is too small to compare with other employers. 2025 reports only a token amount of broker pay, under $5,000. That is too small to compare with other employers. Rows for 2024–2025 stay in the broker history and stay out of the headline and the peer comparison.

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.

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
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Where the $19,221,780 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 insuranceShort-term disabilityLong-term disabilityApprenticeship / trainingOther

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 lines below are the insured ancillary coverages — dental, vision, life, disability. Self-funded medical broker or consultant fees paid from plan assets are reported on Schedule C — shown below, tagged Sch. C. What Schedule C does not capture is advisor pay the employer makes from its own corporate funds instead of plan assets, which is not reportable, so the filed figure can be lower than what an advisor is paid in total.

Year:

The 2025 filing reports only a token amount of broker pay, under $5,000. The analysis year is 2023, 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 2023 — the same year as the headline figure and per-participant rate above. The 2025 filing reports only a token amount of broker pay, under $5,000.

Benefit line	Contract	Rate	vs. peers	Position

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 + Life + Short-term disability + Long-term disability	United Health Care Insurance CoPlan 501	4.8%	Bundled; no single-line peer
Dental + Vision + Life + Short-term disability + Long-term disability	Guardian Life Insurance CompanyPlan 501	0.9%	Bundled; no single-line peer

Everything in this table is from the 2023 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. 2025 is not rated here. Its rows appear in Broker history above as filed — pick 2025 on the year chips there to see them.

No peer cell met the minimum sample size for these lines, so rates are shown without a market position. 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 501ACEC / LIFE & HEALTH GROUP WELFARE PLAN36K participants (2025)

HealthDentalLife insuranceShort-term disabilityLong-term disabilityApprenticeship / trainingOtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-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 file3

Lead broker continuityFiled brokername changed

Broker setup645 brokers in 2023731 across all years

Most

Peer benchmarkInsurance / Financial Servicesn=51 · national peers

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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: Texas employer health plans · Insurance / Financial Services plans in Texas · all states

Sourced from Form 5500 filings as submitted to the U.S. Department of Labor. Analysis year: 2023; 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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