ELS EDUCATIONAL SERVICES

EIN 52-0822348 · NJ · Education — K-12

Compensation disclosed5 brokers of record, 2024–2025As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Employer-paid broker pay2025 · analysis: $92,3502024: $18,559

Benchmarked against: Education — K-12 · 1–100 employees · same industry, nationwide · n=15 employers (your plan plus 14 peers)

Your exact in-state peer group was below the 10-plan minimum, so the comparison broadens to same industry, nationwide within Education — K-12.

(latest)

Fully insured

Funding

$92,350

Broker pay, employer-paid lines (2025)

$85.51

3rd highest of 15 comparable plans (your plan plus 14 peers)

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

Broker pay as a share of insured premium: 18.2% (peer median 6.7%, 2nd highest of 15 comparable plans (your plan plus 14 peers)).

Without the 2 low-disclosure peers, this plan is 3rd highest of 13 comparable plans (your plan plus 12 peers).

Employer-paid $92,350 benchmarked for 2025 · Voluntary $1,413 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

18.4%

Peer median 3.8%

Above peer range

Dental

16.8%

Peer median 9.6%

Above peer range

Life

18.8%

Peer median 16.1%

Within peer range

Voluntary / worksite

Not comparable

Premium under $10,000 is too small to compare

Vision

Not comparable

Premium under $10,000 is too small to compare

Short-term disability

Not comparable

Premium under $10,000 is too small to compare

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.

Where the $93,763 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)

DentalHealthShort-term disabilityLife insuranceOtherLong-term disability

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:

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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
Medicalfiled as “Health”	Cigna Health and Life Insurance Company	18.4%	med 3.8%	Above peer range
Dental · contract 00001D043040000	The Lincoln National Life Insurance CompanyPlan 507 · 44 lives · Dental	16.8%	med 9.6%	Above peer range
Life	The Lincoln National Life Insurance Company	18.8%	med 16.1%	Within peer range
Dental · contract 00001D043039000	The Lincoln National Life Insurance CompanyPlan 506 · 22 lives · Dental	16.9%	med 9.6%	Above 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
Life + Short-term disability	The Lincoln National Life Insurance CompanyPlan 511	18.0%	Bundled; no single-line peer
Other benefitSHORT TERM DISABILITY	The Lincoln National Life Insurance CompanyPlan 508	Not comparable	No comparable linePremium under $10,000 is too small to compare

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

Voluntary / worksite — The Lincoln National Life Insurance Company — Premium under $10,000 is too small to compare
Vision — The Lincoln National Life Insurance Company — Premium under $10,000 is too small to compare
Voluntary / worksite — Metroplitan General Insurance Company — Premium under $10,000 is too small to compare
Short-term disability — The Lincoln National Life Insurance Company — Premium under $10,000 is too small to compare
Voluntary / worksite — The Lincoln National Life Insurance Company — Premium under $10,000 is too small to compare

How the peer group for each line was built

Medical: n=946 contracts, Northeast, 1-100 covered lives
Dental: n=280 contracts, Northeast, 1-100 covered lives
Life: n=334 contracts, Northeast, 1-100 covered lives
Voluntary / worksite: n=998 contracts, Northeast, 1-100 covered lives
Vision: n=135 contracts, Northeast, 1-100 covered lives
Short-term disability: n=239 contracts, Northeast, 1-100 covered lives

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

Everything in this table is from the 2025 filing. These 11 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 511ELS EDUCATIONAL SERVICES WELFARE AND BENEFITS114 participants (2025)

DentalFully insured · 2 years on file

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PN 600ELS EDUCATIONAL SERVICES WELFARE AND BENEFITS90 participants (2025)

HealthFully insured

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PN 502ELS EDUCATIONAL SERVICES WELFARE AND BENEFITS74 participants (2024)

HealthUnfunded / insured (non-filing)Self-fundedSelf-funded (incl. mixed, stop-loss and level-funded).

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PN 510ELS EDUCATIONAL SERVICES WELFARE AND BENEFITS53 participants (2025)

Short-term disabilityFully insured · 2 years on file

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PN 513ELS EDUCATIONAL SERVICES WELFARE AND BENEFITS51 participants (2025)

DentalFully insured · 2 years on file

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PN 507ELS EDUCATIONAL SERVICES WELFARE AND BENEFITS44 participants (2025)

Life insuranceFully insured · 2 years on file

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PN 508ELS EDUCATIONAL SERVICES WELFARE AND BENEFITS32 participants (2025)

OtherFully insured · 2 years on file

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PN 506ELS EDUCATIONAL SERVICES WELFARE AND BENEFITS22 participants (2025)

Life insuranceFully insured · 2 years on file

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PN 501ELS EDUCATIONAL SERVICES WELFARE AND BENEFITS10 participants (2025)

Long-term disabilityFully insured · 2 years on file

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PN 512ELS EDUCATIONAL SERVICES WELFARE AND BENEFITS8 participants (2025)

OtherFully insured · 2 years on file

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PN 509ELS EDUCATIONAL SERVICES WELFARE AND BENEFITS8 participants (2025)

OtherFully insured · 2 years on file

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PN 503ELS EDUCATIONAL SERVICES WELFARE AND BENEFITS7 participants (2025)

OtherFully insured · 2 years on file

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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 continuitySame primary broker

Broker setup5 brokers across benefit lines

Most

Peer benchmarkEducation — K-12n=15 · national peers

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How do similar employers compare?

Employers in the same peer group (Education — K-12, similar size), from public Form 5500 filings. Open one to see what it pays its broker.

Browse more: New Jersey employer health plans · Education — K-12 plans in New Jersey · 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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