COASTAL HORIZONS CENTER, INC.
EIN 56-0950370 · NC · Ambulatory / Outpatient Care
Benchmarked against: Ambulatory / Outpatient Care · 501–2,500 employees · same industry, regional · n=14 employers (your plan plus 13 peers)
Your exact in-state peer group was below the 10-plan minimum, so the comparison broadens to same industry, regional within Ambulatory / Outpatient Care.
621
(latest)
Fully insured
Funding
$236,114
Broker pay, employer-paid lines (2024)
$31.68
5th highest of 14 comparable plans (your plan plus 13 peers)
Lines disclosed: Dental · Vision · Life · Long-term disability
Broker pay as a share of insured premium: 4.3% (peer median 6.5%, 13th highest of 14 comparable plans (your plan plus 13 peers)).
Without the 2 low-disclosure peers, this plan is 5th highest of 12 comparable plans (your plan plus 11 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 $236,114 benchmarked for 2024 · Voluntary $11,449 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
3.0%
Peer median 4.7%
Below peer rangeVoluntary / worksite
15.2%
Peer median 18.9%
Within peer rangeVision
10.0%
Peer median 9.9%
Within 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 and Life are filed only inside a bundled multi-line contract, so there is no single-line rate to compare. The bundle's effective rate is in the table below.
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 $247,563 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)
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 |
|---|---|---|---|---|
| Medicalfiled as “Health, Prescription drug, Other (…” | Blue Cross Blue Shield of North Carolina | 3.0% | med 4.7% | Below peer range |
| Voluntary / worksitefiled as “Other (WORKSITE BENEFITS)” | Colonial Life & Accident Insurance Company | 15.2% | med 18.9% | Within peer range |
| Vision | Community Eye Care | 10.0% | med 9.9% | 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 |
|---|---|---|---|
| Dental + Life + Long-term disability | Principal Life Insurance CompanyPlan 501 | 15.9% | Bundled; no single-line peer |
How the peer group for each line was built
- Medical: n=3,251 contracts, Southeast, 101-500 covered lives
- Voluntary / worksite: n=3,250 contracts, Southeast, 1-100 covered lives
- Vision: n=1,050 contracts, Southeast, 501-2500 covered lives
n = the number of peer contracts in that comparison group.
Everything in this table is from the 2024 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 501COASTAL HORIZONS CENTER, INC. HEALTH AND WELFARE BENEFITS PLAN621 participants (2024)HealthDentalLife insuranceShort-term disabilityApprenticeship / trainingSeveranceOtherFully insured · 12 years on file
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 (Ambulatory / Outpatient Care, similar size), from public Form 5500 filings. Open one to see what it pays its broker.
- PALMETTO INFUSION SERVICES, L.L.C.South CarolinaCompensation disclosed →
- L WOERNER INCNew YorkCompensation disclosed →
- COMMUNITY HEALTHCARE NETWORKNew YorkCompensation disclosed →
- CTI CLINICAL TRIAL SERVICES, INC.KentuckyCompensation disclosed →
- ARCUS BIOSCIENCES, INC.CaliforniaCompensation disclosed →
Browse more: North Carolina employer health plans · Ambulatory / Outpatient Care plans in North Carolina · all states
Sourced from Form 5500 filings as submitted to the U.S. Department of Labor. Most recent plan year on file: 2024. 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.