ALIGNMENT HEALTHCARE USA, LLC
EIN 46-5596242 · CA · Insurance / Financial Services
Benchmarked against: Insurance / Financial Services · 501–2,500 employees · same industry, in-state · n=65 employers (your plan plus 64 peers)
1,750
(latest)
Self-fundedSelf-funded (incl. mixed, stop-loss and level-funded).
Funding
$33,996
Broker pay, employer-paid lines (2025)
$1.62
14th pct vs peers · n=65
Lines disclosed: Short-term disability · Long-term disability · Low disclosure
Broker pay as a share of insured premium: 6.2% (peer median 4.0%, 81st percentile).
Without the 10 low-disclosure peers, this plan is at the 13th percentile of 55 comparable plans (your plan plus 54 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.
Employer-paid $33,996 benchmarked for 2025 · Voluntary $323,200 shown separately, compared by rate only
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
1.9%
Peer median 16.6%
Below peer rangeVoluntary / 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, Vision, and Life are not on this filing as their own contracts, so there is no peer rate to show for them.
Where the $357,196 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)
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 / worksite (Prescription drug + VOLUNTARY ACCIDENT/ CRITICAL ILLNESS AND HOSPITAL)multi-product: accident + critical illness | Blue Cross of California | 1.9% | med 16.6% | Below peer range |
| Voluntary / worksite (BASIC AND VOLUNTARY ACCIDENTAL DEATH & DISMEMBERMENT) | Unum Life Insurance Company of America | 6.3% | med 17.3% | Below peer range |
| Voluntary / worksite (basic) | Arag Insurance Company | 15.0% | med 17.8% | Within 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 |
|---|---|---|---|
| Short-term disability + Long-term disability | Unum Life Insurance Company of AmericaPlan 501 | 6.2% | Bundled; no single-line peer |
How the peer group for each line was built
- Voluntary / worksite: n=92 contracts, West, 2501-10000 covered lives
- Voluntary / worksite: n=436 contracts, West, 501-2500 covered lives
- Voluntary / worksite: n=1,351 contracts, West, 101-500 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 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 501ALIGNMENT HEALTHCARE USA, LLC HEALTH & WELFARE BENEFIT PLAN1.8K participants (2025)HealthDentalLife insuranceShort-term disabilityLong-term disabilityUnemploymentApprenticeship / trainingSeveranceSelf-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
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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.
- CAPFINANCIAL PARTNERS, LLCNorth CarolinaCompensation disclosed →
- WILLIAM BLAIR & COMPANY, LLCIllinoisCompensation disclosed →
- WORLD INSURANCE ASSOCIATES LLCNew JerseyCompensation disclosed →
- SLM CORPORATIONDelawareCompensation disclosed →
- BANKUNITED N.A.FloridaCompensation disclosed →
Browse more: California employer health plans · Insurance / Financial Services 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: 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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