TOPSAIL PROFESSIONAL SERVICES, LLC

EIN 47-1398226 · MD · Professional Services

Compensation disclosed1 broker of record on fileAs reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Benchmarked against: Professional Services · 101–500 employees · same industry, in-state · n=21 employers (your plan plus 20 peers)

221

(latest)

Fully insured

Funding

$147,356

Broker pay, employer-paid lines (2021)

$55.56

70th pct vs peers · n=21

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

Broker pay as a share of insured premium: 4.7% (peer median 6.7%, 15th percentile).

Without the 2 low-disclosure peers, this plan is 7th highest of 19 comparable plans (your plan plus 18 peers).

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

Employer-paid $147,356 benchmarked for 2021 · Voluntary $9,029 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.

Medical

4.2%

Peer median 4.6%

Within peer range

Dental

8.0%

Peer median 9.9%

Within peer range

Short-term disability

3.8%

Peer median 15.0%

Below peer range

Long-term disability

8.6%

Peer median 15.0%

Below peer range

Vision

4.6%

Peer median 10.0%

Below peer range

Voluntary / worksite

10.0%

Peer median 17.5%

Below peer range

Life

10.2%

Peer median 15.0%

Below 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 $156,385 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.

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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).

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
Medical · contract 903313	UnitedHealthcare Insurance CompanyPlan 502 · 205 lives · Health	4.2%	med 4.6%	Within peer range
Dental	Guardian	8.0%	med 9.9%	Within peer range
Short-term disability	Reliance Standard Life Insurance CompanyPlan 502 · 221 lives · Short-term disability	3.8%	med 15.0%	Below peer range
Medical · contract 0907758	UnitedHealthcare Insurance CompanyPlan 502 · 6 lives · Health	6.9%	med 5.0%	Above peer range
Long-term disability	Reliance Standard Life Insurance Company	8.6%	med 15.0%	Below peer range
Vision	Vision Service Plan	4.6%	med 10.0%	Below peer range
Voluntary / worksite · contract VG184776	Reliance Standard Life Insurance CompanyPlan 502 · 82 lives · Other (VOLUNTARY LIFE)	10.0%	med 17.5%	Below peer range
Voluntary / worksite · contract 759694multi-product: accident + critical illness + hospital indemnity	Standard Insurance Company	38.4%	med 17.5%	Above peer range
Lifefiled as “Life, Other (AD&D)”	Reliance Standard Life Insurance Company	10.2%	med 15.0%	Below peer range

3 contracts under $10,000 in premium — listed for completeness, not compared to peers. Show

Voluntary / worksite — MetLife Legal Plans — Premium under $10,000 is too small to compare
Voluntary / worksite — Reliance Standard Life Insurance Company — Premium under $10,000 is too small to compare
Short-term disability — Reliance Standard Life Insurance Company — Premium under $10,000 is too small to compare

How the peer group for each line was built

Medical: n=3,587 contracts, Southeast, 101-500 covered lives
Dental: n=2,283 contracts, Southeast, 101-500 covered lives
Short-term disability: n=1,574 contracts, Southeast, 101-500 covered lives
Medical: n=2,106 contracts, Southeast, 1-100 covered lives
Long-term disability: n=1,937 contracts, Southeast, 101-500 covered lives
Vision: n=2,406 contracts, Southeast, 101-500 covered lives
Voluntary / worksite: n=2,611 contracts, Southeast, 1-100 covered lives
Life: n=3,004 contracts, Southeast, 101-500 covered lives
Voluntary / worksite: n=2,592 contracts, Southeast, 101-500 covered lives
Short-term disability: n=651 contracts, Southeast, 1-100 covered lives

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

Everything in this table is from the 2021 filing. These 12 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.

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. A rate on bundled multi-line premium is not comparable to a single-line rate, so bundled contracts are never given a peer position. 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 502TOPSAIL PROFESSIONAL SERVICES, LLC HEALTH & WELFARE PLAN221 participants (2021)

HealthDentalLife insuranceShort-term disabilityLong-term disabilityApprenticeship / trainingOtherFully insured

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

Most

Peer benchmarkProfessional Servicesn=21 · state peers

Is this your company?

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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: Maryland employer health plans · Professional Services plans in Maryland · all states

Sourced from Form 5500 filings as submitted to the U.S. Department of Labor. Most recent plan year on file: 2021. 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.