CITIGROUP INC.

EIN 52-1568099 · CT · Insurance / Financial Services

Compensation disclosed4 brokers of record, 2021–2025As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Employer-paid broker pay2025: $400,0482024 · analysis: $801,3092023: $828,9892022: $839,5372021: $851,613

Benchmarked against: Insurance / Financial Services · 50,000+ employees · same industry, nationwide · n=11 employers (your plan plus 10 peers)

Your exact in-state peer group was below the 10-plan minimum, so the comparison broadens to same industry, nationwide within Insurance / Financial Services.

57,540

(2024)

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

Funding

$801,309

Broker pay, employer-paid lines (2024)

$1.16

2024 · 3rd highest of 11 comparable plans (your plan plus 10 peers)

Lines disclosed: Dental · Life · Long-term disability

Broker pay as a share of insured premium: 0.5% (peer median 1.4%, 9th highest of 11 comparable plans (your plan plus 10 peers)).

Without the 5 low-disclosure peers, this plan is the highest disclosed broker pay among 6 comparable plans (your plan plus 5 peers).

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

Employer-paid $801,309 benchmarked for 2024 · Voluntary $1,383,242 shown separately, compared by rate only

Showing 2024, the latest year with a complete peer group. A 2025 filing is on file and appears in broker history; it is not benchmarked yet.

Why 2024?

The figures above use 2024, the latest year we can compare with similar employers. A filing for 2025 is on file. Only a smaller plan has filed for 2025 so far. The main plan's filing is not in yet, so that year cannot carry the comparison. Rows for 2025 stay in the broker history and stay out of the headline and the peer comparison.

Self-funded medical. This figure is commissions on the insured ancillary lines (life, disability, dental, vision, stop-loss). A self-funded employer's medical advisor is typically paid a fee outside these filings, so total broker pay is usually higher than the figure shown.

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: the tightest available peer cell for each line. Full table below. How the national rates are built.

Dental

0.4%

Peer median 1.2%

No commission on this contract

Long-term disability

1.0%

Peer median 1.2%

Within peer range

Life

0.3%

Peer median 4.4%

No commission on this contract

Voluntary / worksite

20.9%

Peer median 13.3%

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

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 $2,184,551 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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Line-item breakdown, multi-year trend, and methodology-backed framing — ready for fiduciary oversight and recordkeeping.

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Benefits covered (latest filing)

OtherLong-term disabilityApprenticeship / trainingShort-term disabilityHealthLife insurance

From the Form 5500 welfare benefit codes — the authoritative list of what the plan covers, including medical (health).

Disclosure opacity

What this filing doesn't show

This filing discloses no compensation on a health or stop-loss contract for 2025 — the plan's largest lines are absent from the public record. That is typical for self-funded plans, not reassuring: 53% of self-funded health plans with 100+ participants disclose the same — nothing (42K plans reviewed, 2024 filings). How we count this. The compensation still exists — under ERISA Section 408(b)(2), it must be disclosed in writing to the plan fiduciary on request.

Get the 408(b)(2) disclosure request letter — a ready-to-send request for the compensation this filing doesn't show. Free with an employer account.

Broker history

Benefit lines covered by year — broker identity limited on public pages

Medical here is self-funded. The employer pays its own health claims (usually through a TPA), so there's no insurance contract for medical and it never appears on Schedule A. The itemized coverages in this filing are the insured ancillary lines — dental, vision, life, disability. Schedule C captures advisor pay two ways: paid directly from plan assets, or received indirectly from a carrier or vendor in connection with the plan. This plan has no Schedule C on file — so any advisor compensation beyond those ancillary lines isn't captured in this filing.

Year:

The 2025 filings on file so far are from smaller plans; the main plan has not filed 2025 yet. The analysis year is 2024, the latest year that is complete and benchmarked.

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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.

Analysis year 2024 — the same year as the headline figure and per-participant rate above. The 2025 filings on file so far are from smaller plans; the main plan has not filed 2025 yet.

Benefit line	Contract	Rate	vs. peers	Position
Dental · contract 0143243	Metropolitan Life Insurance CompanyPlan 505 · 82,330 lives · Dental	0.4%	med 1.2%	No commission on this contract
Long-term disability	Metropolitan Life Insurance Company	1.0%	med 1.2%	Within peer range
Life · contract 0096731	Metropolitan Life Insurance CompanyPlan 506 · 14,444 lives · Life	0.3%	med 4.4%	No commission on this contract
Life · contract 0105731	Metropolitan Life Insurance CompanyPlan 506 · 67,007 lives · Life	0.3%	med 2.6%	No commission on this contract
Voluntary / worksitemulti-product: accident + critical illness + hospital indemnity	Aetna Life Insurance Co.	20.9%	med 13.3%	Within peer range
Life · contract 0116264	Metropolitan Life Insurance CompanyPlan 506 · 2,221 lives · Life	0.3%	med 8.3%	No commission on this contract
Life · contract 95846	Metropolitan Life Insurance CompanyPlan 506 · 10,424 lives · Life	0.3%	med 4.4%	No commission on this contract
Life · contract 0096973	Metropolitan Life Insurance CompanyPlan 506 · 2,461 lives · Life	0.5%	med 8.3%	No commission on this contract
Life · contract 0116640	Metropolitan Life Insurance CompanyPlan 506 · 37,857 lives · Other (ACCIDENTAL DEATH AND DISMEM…	0.3%	med 4.4%	No commission on this contract
Dental · contract 0120060	Metropolitan Life Insurance CompanyPlan 505 · 2,570 lives · Dental	0.3%	med 3.2%	No commission on this contract
Life · contract 0095691	Metropolitan Life Insurance CompanyPlan 506 · 105 lives · Life	0.5%	med 13.0%	No commission on this contract
Life · contract 96718	Metropolitan Life Insurance CompanyPlan 506 · 311 lives · Life	0.5%	med 13.0%	No commission on this contract
Life · contract 92547	Metropolitan Life Insurance CompanyPlan 506 · 102 lives · Life	0.5%	med 13.0%	No commission on this contract
Life · contract 0105735	Metropolitan Life Insurance CompanyPlan 506 · 58,962 lives · Other (ACCIDENTAL DEATH AND DISMEM…	0.5%	med 2.6%	No commission on this contract
Life · contract 0102850	Metropolitan Life Insurance CompanyPlan 506 · 1,017 lives · Life	0.5%	med 8.3%	No commission on this contract
Life · contract 0109697	Metropolitan Life Insurance CompanyPlan 506 · 31 lives · Life	0.7%	med 15.8%	No commission on this contract
Life · contract 0105732	Metropolitan Life Insurance CompanyPlan 506 · 110 lives · Life	1.0%	med 13.0%	No commission on this contract

How the peer group for each line was built

Dental: n=16 contracts, national, 50000+ covered lives
Long-term disability: n=31 contracts, national, 50000+ covered lives
Life: n=214 contracts, Northeast, 10001-50000 covered lives
Life: n=35 contracts, Northeast, 50000+ covered lives
Voluntary / worksite: n=50 contracts, Northeast, 10001-50000 covered lives
Life: n=1,163 contracts, Northeast, 501-2500 covered lives
Dental: n=150 contracts, Northeast, 2501-10000 covered lives
Life: n=2,313 contracts, Northeast, 101-500 covered lives
Life: n=553 contracts, Northeast, 1-100 covered lives

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

Everything in this table is from the 2024 filing. These 17 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. 2025 is not rated here. Its rows appear in Broker history above as filed — pick 2025 on the year chips there to see them.

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. 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 521CITIGROUP BE WELL PROGRAM73K participants (2025)

OtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 5 years on file

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PN 530CITIGROUP DISABILITY PLAN70K participants (2025)

Long-term disabilityApprenticeship / trainingSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 5 years on file

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PN 506CITIGROUP LIFE INSURANCE BENEFITS PLAN63K participants (2024)

DentalOtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 4 years on file

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PN 508CITIGROUP HEALTH BENEFIT PLAN58K participants (2024)

HealthSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 4 years on file

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PN 505CITIGROUP DENTAL BENEFIT PLAN57K participants (2024)

Life insuranceSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 4 years on file

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PN 533CITIGROUP VISION BENEFIT PLAN46K participants (2025)

Short-term disabilityFully insured · 5 years on file

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PN 802CITIGROUP SUPPLEMENTAL MEDICAL PLANS28K participants (2025)

OtherFully insured · 3 years on file

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PN 512CITIGROUP FLEXIBLE BENEFITS PLAN17K participants (2025)

HealthLife insuranceShort-term disabilitySelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 5 years on file

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PN 550CITIGROUP RETIREE MEDICAL BENEFIT PLAN0 participants (2025)

HealthSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 5 years on file

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PN 555CITI HEALTH REIMBURSEMENT ARRANGEMENT (HRA)0 participants (2025)

HealthSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 5 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 file5

Lead broker continuityFiled brokername changed

Broker setup3 brokers in 20244 across all years

Most

Peer benchmarkInsurance / Financial Servicesn=11 · national peers

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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.

Browse more: Connecticut employer health plans · Insurance / Financial Services plans in Connecticut · all states

Sourced from Form 5500 filings as submitted to the U.S. Department of Labor. Analysis year: 2024; newest plan year with a filing 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.