HOWE, INC

Formerly HOWE INC

EIN 46-0369657 · SD · Construction

Compensation disclosed3 brokers of record, 2022–2025As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Employer-paid broker pay2025 · analysis: $33,1882024: $2,4822023: Not reported2022: $25,158

Benchmarked against: Construction · 101–500 employees · same industry, regional · n=237 employers (your plan plus 236 peers)

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

108

(latest)

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

Funding

$33,188

Broker pay, employer-paid lines (2025)

$25.61

69th pct vs peers · n=237

Lines disclosed: Dental · Vision

Broker pay as a share of insured premium: 3.0% (peer median 12.0%, 9th percentile).

Without the 12 low-disclosure peers, this plan is at the 68th percentile of 225 comparable plans (your plan plus 224 peers).

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

3.0%

Peer median 3.3%

Within peer range

Dental

2.4%

Peer median 7.0%

Below peer range

Vision

6.4%

Peer median 8.8%

No commission on this contract

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

Where the $33,188 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

A screenshot isn't a record. Get the dated report for your file.

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

Or, if this is your company, share your plan basics to unlock your company’s full detail — the dated report PDF stays a separate purchase.

Benefits covered (latest filing)

HealthDentalLife insuranceShort-term disabilityLong-term disabilitySeverance

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:

Broker identity on this page is limited for public viewers. Sign in with your work email or share your plan basics for the full breakdown on your company.

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
Medicalfiled as “Health”	Wellmark Blue Cross and Blue Shield of South Dakota	3.0%	med 3.3%	Within peer range
Dental · contract 2809	Delta Dental of South DakotaPlan 501 · 115 lives · Dental	2.4%	med 7.0%	Below peer range
Dental · contract 3809	Delta Dental of South DakotaPlan 501 · 68 lives · Dental	3.2%	med 8.0%	Below peer range
Vision	Vision Service Plan	6.4%	med 8.8%	No commission on this contract

How the peer group for each line was built

Medical: n=2,275 contracts, Midwest, 101-500 covered lives
Dental: n=1,739 contracts, Midwest, 101-500 covered lives
Dental: n=443 contracts, Midwest, 1-100 covered lives
Vision: n=289 contracts, Midwest, 1-100 covered lives

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

Everything in this table is from the 2025 filing. These 4 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. A near-zero rate on a large premium usually means the broker is paid elsewhere (through a bundled contract, a Schedule C fee, or commission on other lines), so no market position is shown for that contract.

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 502HOWE INC INSURANCE PLAN113 participants (2023)

HealthSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 2 years on file

Loading contracts…

PN 501HOWE, INC WELFARE BENEFIT PLAN108 participants (2025)

HealthDentalLife insuranceShort-term disabilityLong-term disabilitySeveranceSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 2 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 setup3 brokers across benefit lines

Most

Peer benchmarkConstructionn=237 · 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 (Construction, similar size), from public Form 5500 filings. Open one to see what it pays its broker.

Browse more: South Dakota employer health plans · Construction plans in South Dakota · 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.

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.