RGAC ENTERPRISES, INC.

EIN 45-1556036 · CA · Ambulatory / Outpatient Care

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

This filing doesn't itemize broker compensation the way most peer employers do. That can be a clean fee arrangement — or pay baked into premium. Peer market rates for similar plans are below.

Benchmarked against: Ambulatory / Outpatient Care · 1–100 employees · same industry, regional · n=13 employers

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

(latest)

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

Funding

Voluntary only

Broker pay, employer-paid lines (2022)

—

Lines disclosed: Dental · Vision

Broker pay as a share of insured premium: 0.0% (peer median 0.0%, the lowest disclosed broker pay among 13 comparable plans (your plan plus 12 peers)).

Without the 4 low-disclosure peers, this plan is the lowest disclosed broker pay among 9 comparable plans (your plan plus 8 peers).

Employer-paid $0 benchmarked for 2022 · Voluntary $3,964 shown separately, compared by rate only · $45,395 shown as filed, excluded as a likely filing error

Why excluded?

2 broker compensation lines totaling $45,395 on the Form 5500 appear to be filing errors (a commission above 100% of the premium reported on that contract, or pay above $200 per participant per month or $50,000,000 on one line). We verified these amounts against the DOL EFAST publication — they are as filed by the plan sponsor, not an Unbrokered ingest error. Those lines are shown as filed and excluded from peer benchmarks and headline PEPM.

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.

Voluntary / worksite

23.9%

Peer median 17.0%

Above 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 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.

Life is not on this filing as its own contract, so there is no peer rate to show for it.

Where the $3,964 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 disabilityOther

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

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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
Voluntary / worksitefiled as “Life, Other (ACCIDENT/ AD&D)”	Hartford Life and Accident	23.9%	med 17.0%	Above 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
Medical + Dental + Vision	Aetna Life Insurance Co.Plan 501	0.9%	Bundled; no single-line peer

How the peer group for each line was built

Voluntary / worksite: n=1,597 contracts, West, 101-500 covered lives

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

Everything in this table is from the 2022 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.

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 501RGAC ENTERPRISES, INC. HEALTH AND WELFARE PLAN4 participants (2022)

HealthDentalLife insuranceShort-term disabilityOtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded).

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 file1

Lead broker continuitySingle year on file

Broker setup3 brokers across benefit lines

Peer benchmarkAmbulatory / Outpatient Caren=13 · regional peers

Is this your company?

The Broker Compensation Benchmark Report is the dated, sourced PDF for your fiduciary file — line-item breakdown, interpretation, methodology, and 12 months of live access. Unbrokered does not provide legal advice.

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 (Ambulatory / Outpatient Care, similar size), from public Form 5500 filings. Open one to see what it pays its broker.

Browse more: California employer health plans · Ambulatory / Outpatient Care plans in California · all states

Sourced from Form 5500 filings as submitted to the U.S. Department of Labor. Most recent plan year on file: 2022. 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.

Report a data discrepancy

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.