HOPE HOSPICE AND COMMUNITY SERVICES, INC.

EIN 59-2128697 · FL · Ambulatory / Outpatient Care

Compensation disclosed10 brokers of record, 2021–2023As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Employer-paid broker pay2023 · analysis: $295,6172022: $346,2482021: $367,410

2022: $7,314 shown as filed, excluded as a likely filing error

Benchmarked against: Ambulatory / Outpatient Care · 501–2,500 employees · same industry, in-state · n=24 employers (your plan plus 23 peers)

528

(latest)

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

Funding

$295,617

Broker pay, employer-paid lines (2023)

$46.66

99th pct vs peers · n=24

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

Broker pay as a share of insured premium: 2.6% (peer median 11.1%, 1st percentile).

Without the 1 low-disclosure peer, this plan is at the 99th percentile of 23 comparable plans (your plan plus 22 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 $295,617 benchmarked for 2023 · Voluntary $56,566 shown separately, compared by rate only · $1,889 shown as filed, excluded as a likely filing error

Why excluded?

1 broker compensation line totaling $1,889 on the Form 5500 appears to be filing errors (a commission above 100% of the premium reported on that contract, or pay above $200 per participant per month or $50,000,000 on one line). We verified these amounts against the DOL EFAST publication — they are as filed by the plan sponsor, not an Unbrokered ingest error. Those lines are shown as filed and excluded from peer benchmarks and headline PEPM.

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

2.0%

Peer median 4.6%

Below peer range

Dental

4.6%

Peer median 6.5%

Within peer range

Short-term disability

10.2%

Peer median 12.0%

Within peer range

Voluntary / worksite

17.4%

Peer median 19.1%

Within peer range

Long-term disability

10.3%

Peer median 10.7%

Within peer range

Life

12.8%

Peer median 15.0%

Within peer range

Vision

3.2%

Peer median 10.0%

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 $352,183 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)

HealthDentalLife insuranceLong-term disabilityApprenticeship / trainingShort-term disabilityOther

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:

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
Medical ($0 premium)	Health Options, Inc.	2.0%	med 4.6%	Below peer range
Medical ($0 premium)	Blue Cross Blue Shield of Florida	2.0%	med 4.6%	Below peer range
Dental	Florida Combined Life Insurance Company	4.6%	med 6.5%	Within peer range
Short-term disability	Usable Life	10.2%	med 12.0%	Within peer range
Voluntary / worksite ($0 premium)multi-product: accident + critical illness + hospital indemnity + cancer	American Heritage Life	17.4%	med 19.1%	Within peer range
Long-term disability	Usable Life	10.3%	med 10.7%	Within peer range
Life	Usable Life	12.8%	med 15.0%	Within peer range
Vision	Vision Service Plan	3.2%	med 10.0%	Below peer range
Voluntary / worksite ($0 premium)	Usable LifePlan 520 · 528 lives · Life, Other (ACCIDENTAL DEATH)	10.3%	med 19.1%	Below peer range
Voluntary / worksite ($0 premium)	American Heritage Life Insurance Company	12.9%	med 18.6%	Below peer range
Voluntary / worksite ($0 premium)	Usable LifePlan 520 · 474 lives · Other (VOLUNTARY ACCIDENTAL DEATH …	10.0%	med 19.0%	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 benefitGROUP LONG TERM CARE	Unum Life Insurance Company of AmericaPlan 520	Not comparable	No comparable lineCommission is above 100% of the premium on this contract

How the peer group for each line was built

Medical: n=3,410 contracts, Southeast, 101-500 covered lives
Dental: n=812 contracts, Southeast, 501-2500 covered lives
Short-term disability: n=321 contracts, Southeast, 501-2500 covered lives
Voluntary / worksite: n=995 contracts, Southeast, 501-2500 covered lives
Long-term disability: n=533 contracts, Southeast, 501-2500 covered lives
Life: n=2,944 contracts, Southeast, 101-500 covered lives
Vision: n=2,308 contracts, Southeast, 101-500 covered lives
Voluntary / worksite: n=3,022 contracts, Southeast, 1-100 covered lives
Voluntary / worksite: n=2,977 contracts, Southeast, 101-500 covered lives

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

Everything in this table is from the 2023 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.

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 520HOPE HOSPICE AND COMMUNITY SERVICES INC EMPLOYEE WELFARE BENEFITS PLAN528 participants (2023)

HealthDentalLife insuranceLong-term disabilityApprenticeship / trainingShort-term disabilityOtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 3 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

Primary brokerLimited on public pages

Years on file3

Lead broker continuitySame primary broker

Broker setup7 brokers in 202310 across all years

Most

Peer benchmarkAmbulatory / Outpatient Caren=24 · state peers

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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.

Browse more: Florida employer health plans · Ambulatory / Outpatient Care plans in Florida · all states

Sourced from Form 5500 filings as submitted to the U.S. Department of Labor. Most recent plan year on file: 2023. 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.