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NOT FOR PROFIT INSURANCE CONSORTIUM

EIN 45-6661156 · NY · Health System / Hospital

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Compensation disclosed2 brokers of record, 2021–2024As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.
Employer-paid broker pay2024: Not reported2023: Not reported2022: Not reported2021 · analysis: $1,658,234

Benchmarked against: All industries · 2,501–10,000 employees · all industries at this size, nationwide · n=2,123 employers

Fewer than the minimum (10) health system / hospital employers of this size had broker pay on file, so the comparison widens to all industries at this size. The 2,123 figure is not health system / hospital companies — it's every sector at your employee-size band, nationwide.

3,071

(2021)

Fully insured

Funding

$1,658,234

Broker pay, employer-paid lines (2021)

$45.00

2021

Broker pay as a share of insured premium: 8.0% (peer median n/a, percentile unavailable).

Showing 2021, the latest year with a complete peer group. A 2024 filing is on file and appears in broker history; it is not benchmarked yet.

Why 2021?

The figures above use 2021, the latest year we can compare with similar employers. A filing for 2022–2024 is on file. 2022 reports only a token amount of broker pay, under $5,000. That is too small to compare with other employers. 2023 reports only a token amount of broker pay, under $5,000. That is too small to compare with other employers. 2024 reports only a token amount of broker pay, under $5,000. That is too small to compare with other employers. Rows for 2022–2024 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

9.5%

666 peer contracts — p25 1.7% · median 2.6% · p75 4.3%. This contract: 9.5%.

Peer median 2.6%

Above peer range

Dental, Vision, and Life are not on this filing as their own contracts, so there is no peer rate to show for them.

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 $1,658,234 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)

Health

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 2024 filing reports only a token amount of broker pay, under $5,000. The analysis year is 2021, 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 2021 — the same year as the headline figure and per-participant rate above. The 2024 filing reports only a token amount of broker pay, under $5,000.

Benefit lineContractRatevs. peersPosition
Medical · contract 11445033Highmark Bluecross Blueshield of Western New YorkPlan 501 · 913 lives · Health, Prescription drug9.5%666 peer contracts — p25 1.7% · median 2.6% · p75 4.3%. This contract: 9.5%.med 2.6%Above peer range
Medical · contract 11448149Highmark Bluecross Blueshield of Western New YorkPlan 501 · 569 lives · Health, Prescription drug6.0%666 peer contracts — p25 1.7% · median 2.6% · p75 4.3%. This contract: 6.0%.med 2.6%Above peer range
Medical · contract 11444995Highmark Bluecross Blueshield of Western New YorkPlan 501 · 476 lives · Health, Prescription drug6.9%3,277 peer contracts — p25 2.7% · median 3.7% · p75 4.8%. This contract: 6.9%.med 3.7%Above peer range
Medical · contract 11445032Highmark Bluecross Blueshield of Western New YorkPlan 501 · 282 lives · Health, Prescription drug7.3%3,277 peer contracts — p25 2.7% · median 3.7% · p75 4.8%. This contract: 7.3%.med 3.7%Above peer range
Medical · contract 11445036Highmark Bluecross Blueshield of Western New YorkPlan 501 · 341 lives · Health, Prescription drug9.0%3,277 peer contracts — p25 2.7% · median 3.7% · p75 4.8%. This contract: 9.0%.med 3.7%Above peer range
Medical · contract 11445034Highmark Bluecross Blueshield of Western New YorkPlan 501 · 301 lives · Health, Prescription drug13.7%3,277 peer contracts — p25 2.7% · median 3.7% · p75 4.8%. This contract: 13.7%.med 3.7%Above peer range
Medical · contract 11445031Highmark Bluecross Blueshield of Western New YorkPlan 501 · 138 lives · Health, Prescription drug7.3%3,277 peer contracts — p25 2.7% · median 3.7% · p75 4.8%. This contract: 7.3%.med 3.7%Above peer range
Medical · contract 11447534Highmark Bluecross Blueshield of Western New YorkPlan 501 · 51 lives · Health, Prescription drug9.5%1,840 peer contracts — p25 2.6% · median 3.8% · p75 4.9%. This contract: 9.5%.med 3.8%Above peer range
How the peer group for each line was built
  • Medical: n=666 contracts, Northeast, 501-2500 covered lives
  • Medical: n=3,277 contracts, Northeast, 101-500 covered lives
  • Medical: n=1,840 contracts, Northeast, 1-100 covered lives

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

Everything in this table is from the 2021 filing. These 8 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. 2024 is not rated here. Its rows appear in Broker history above as filed — pick 2024 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. 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 501NOT FOR PROFIT INSURANCE CONSORTIUM0 participants (2024)
HealthFully insured · 4 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 file2
Lead broker continuitySingle year on file
Broker setup2 brokers across benefit lines
Most
Peer benchmarkAll Industriesn=2123 · all industries, your size

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How do similar employers compare?

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

Browse more: New York employer health plans · Health System / Hospital plans in New York · all states

Sourced from Form 5500 filings as submitted to the U.S. Department of Labor. Analysis year: 2021; newest plan year with a filing on file: 2024. 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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