UNIVERSITY OF MARYLAND CAPITAL REGION HEALTH

EIN 52-1289729 · MD · Health System / Hospital

Compensation disclosed12 brokers of record on fileAs reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

—

(latest)

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

Funding

$112,120

Broker pay, employer-paid lines (2021)

—

Employer-paid $112,120 benchmarked for 2021 · Voluntary $20,110 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.

Long-term disability

10.0%

Peer median 10.3%

Within peer range

Short-term disability

10.0%

Peer median 10.5%

Within peer range

Voluntary / worksite

3.4%

Peer median 16.3%

Below peer range

Medical

0.6%

Peer median 5.0%

No commission on this contract

Prescription drug (carve-out)

10.2%

Peer median 5.0%

Above peer range

Dental

7.7%

Peer median 9.9%

Within 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.

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
The current structure compared against levels comparable plans actually reported
A committee-ready PDF: full broker breakdown, renewal question set, and disclosure-request letter included

Your full $199 applies toward Renewal Readiness if you upgrade within 60 days.

One-time purchase · 12 months of live access · PDF yours to keep · See a sample report

Researching several companies? Insight Pass — $299 per seat

Broker Compensation Benchmark Report

Peer distributions · dollar quantification · 3-year trajectory · modeled alternatives

SAMPLE

Where the $132,230 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 disabilityUnemploymentApprenticeship / 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

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
Long-term disability	Lincoln National Life Insurance Company	10.0%	med 10.3%	Within peer range
Short-term disability	Lincoln National Life Insurance Company	10.0%	med 10.5%	Within peer range
Voluntary / worksite · contract 68044-3	Reliastar Life Insurance Company	3.4%	med 16.3%	Below peer range
Medical (Prescription drug)	Group Hospitalization Medical Services, Inc	0.6%	med 5.0%	No commission on this contract
Voluntary / worksite · contract 48963	Boston Mutual Life Insurance Company	5.1%	med 16.3%	Below peer range
Medical (MEDICARE SUPPLEMENT)	Transamerica	20.3%	med 5.0%	Above peer range
Prescription drug (carve-out)filed as “Prescription drug”	Express Scripts, Inc.	10.2%	med 5.0%	Above peer range
Dental	Dominion National	7.7%	med 9.9%	Within peer range
Voluntary / worksite · contract 0007719836multi-product: accident + critical illness + whole / universal life	Provident Life and Accident Insurance Company	7.8%	med 17.7%	Below peer range
Voluntary / worksite · contract 6090292	MetLife Legal Plans	7.1%	med 17.7%	Below 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
Other benefitFMLA	Lincoln National Life Insurance CompanyPlan 504	11.1%	No comparable line

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

Voluntary / worksite — Unum Life Insurance Company of America — Premium under $10,000 is too small to compare

How the peer group for each line was built

Long-term disability: n=571 contracts, Southeast, 501-2500 covered lives
Short-term disability: n=339 contracts, Southeast, 501-2500 covered lives
Voluntary / worksite: n=875 contracts, Southeast, 501-2500 covered lives
Medical: n=2,106 contracts, Southeast, 1-100 covered lives
Prescription drug (carve-out): n=53 contracts, Southeast, 1-100 covered lives
Dental: n=2,283 contracts, Southeast, 101-500 covered lives
Voluntary / worksite: n=2,592 contracts, Southeast, 101-500 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 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. 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 504UNIVERSITY OF MARYLAND CAPITAL REGION HEALTH FLEXIBLE COMPENSATION PLAN0 participants (2021)

HealthDentalLife insuranceShort-term disabilityLong-term disabilityUnemploymentApprenticeship / trainingOtherSelf-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

Primary brokerLimited on public pages

Years on file1

Lead broker continuitySingle year on file

Broker setup12 brokers across benefit lines

Most

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

Browse more: Maryland employer health plans · Health System / Hospital 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.

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.