LAVIE CARE CENTERS DBA CONSULATE HEALTHCARE

EIN 45-3515592 · FL · Professional Services

Compensation disclosed11 brokers of record, 2021–2023As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Employer-paid broker pay2023 · analysis: $483,2372022: $568,5082021: $603,399

2022: $222 shown as filed, excluded as a likely filing error

Benchmarked against: Professional Services · 2,501–10,000 employees · same industry, regional · n=24 employers (your plan plus 23 peers)

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

2,516

(latest)

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

Funding

$483,237

Broker pay, employer-paid lines (2023)

$16.01

96th pct vs peers · n=24

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

Broker pay as a share of insured premium: 12.2% (peer median 10.6%, 61st percentile).

Without the 3 low-disclosure peers, this plan is at the 95th percentile of 21 comparable plans (your plan plus 20 peers).

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

Employer-paid $483,237 benchmarked for 2023 · Voluntary $322,862 shown separately, compared by rate only

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

12.0%

Peer median 5.0%

Above peer range

Voluntary / worksite

29.4%

Peer median 19.0%

Above peer range

Short-term disability

18.0%

Peer median 12.0%

Above peer range

Long-term disability

14.0%

Peer median 15.0%

Within peer range

Life

7.0%

Peer median 12.0%

Within peer range

Vision

9.8%

Peer median 8.0%

Within 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.

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 $806,099 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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Line-item breakdown, multi-year trend, and methodology-backed framing — ready for fiduciary oversight and recordkeeping.

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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 2023 — 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	Starmount Life Insurance Company	12.0%	med 5.0%	Above peer range
Voluntary / worksite · contract 71652-9	Reliastar Life Insurance Company	29.4%	med 19.0%	Above peer range
Short-term disabilityfiled as “Short-term disability, Other (SELE…”	Unum Life Insurance Company of America	18.0%	med 12.0%	Above peer range
Long-term disability (SELECT LONG TERM DISABILITY)	Unum Life Insurance Company of AmericaPlan 501 · 344 lives · Long-term disability, Other (SELEC…	14.0%	med 15.0%	Within peer range
Life (LIFESTYLE LIFE LIFESTYLE AD&D)	Unum Life Insurance Company of AmericaPlan 501 · 753 lives · Life, Other (LIFESTYLE LIFE LIFEST…	7.0%	med 12.0%	Within peer range
Vision	EyeMed Vision Care	9.8%	med 8.0%	Within peer range
Long-term disability (basic)	Unum Life Insurance Company of AmericaPlan 501 · 505 lives · Long-term disability	14.0%	med 10.7%	Within peer range
Life (ACCIDENTAL DEATH AND DISMEMBERMENT)	Unum Life Insurance Company of AmericaPlan 501 · 5,776 lives · Life, Other (ACCIDENTAL DEATH AND …	11.0%	med 6.2%	Within peer range
Voluntary / worksite · contract 9260034	MetLife Legal Plans of Florica	11.8%	med 19.0%	Below 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
Other benefitINDIVIDUAL EXCESS RISK	Reliastar Life Insurance CompanyPlan 501	7.7%	No comparable line

How the peer group for each line was built

Dental: n=185 contracts, Southeast, 2501-10000 covered lives
Voluntary / worksite: n=255 contracts, Southeast, 2501-10000 covered lives
Short-term disability: n=321 contracts, Southeast, 501-2500 covered lives
Long-term disability: n=1,797 contracts, Southeast, 101-500 covered lives
Life: n=1,177 contracts, Southeast, 501-2500 covered lives
Vision: n=229 contracts, Southeast, 2501-10000 covered lives
Long-term disability: n=533 contracts, Southeast, 501-2500 covered lives
Life: n=418 contracts, Southeast, 2501-10000 covered lives
Voluntary / worksite: n=2,977 contracts, Southeast, 101-500 covered lives

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

Everything in this table is from the 2023 filing. These 10 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 501LAVIE CARE CENTERS DBA CONSULATE MANAGEMENT COMPANY HEALTH AND WELFARE PLAN2.5K participants (2023)

HealthDentalLife insuranceShort-term disabilityLong-term disabilityApprenticeship / trainingOtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 3 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 setup4 brokers in 202311 across all years

Most

Peer benchmarkProfessional Servicesn=24 · regional peers

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How do similar employers compare?

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

Browse more: Florida employer health plans · Professional Services plans in Florida · all states

Sourced from Form 5500 filings as submitted to the U.S. Department of Labor. Most recent plan year on file: 2023. 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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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.