DARDEN RESTAURANTS, INC.
EIN 59-3305930 · FL · Hospitality / Food Service
Benchmarked against: Hospitality / Food Service · 10,001–50,000 employees · same industry, regional · n=10 employers (your plan plus 9 peers)
Your exact in-state peer group was below the 10-plan minimum, so the comparison broadens to same industry, regional within Hospitality / Food Service.
22,905
(2024)
Self-fundedSelf-funded (incl. mixed, stop-loss and level-funded).
Funding
$7,365,215
Broker pay, employer-paid lines (2024)
$26.80
2024 · The highest disclosed broker pay among 10 comparable plans (your plan plus 9 peers)
Lines disclosed: Dental · Vision · Life · Short-term disability · Long-term disability
Broker pay as a share of insured premium: 2.1% (peer median 3.0%, 7th highest of 10 comparable plans (your plan plus 9 peers)).
Without the 1 low-disclosure peer, this plan is the highest disclosed broker pay among 9 comparable plans (your plan plus 8 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.
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. Most employers have not filed for 2025 yet, so there is no complete peer group to compare it with. Rows for 2025 stay in the broker history and stay out of the headline and the peer comparison.
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 3.7%
Below peer rangeDental
4.0%
Peer median 2.9%
Within peer rangeLife
6.8%
Peer median 3.3%
Within peer rangeLong-term disability
7.5%
Peer median 5.8%
Within peer rangeShort-term disability
7.6%
Peer median 7.1%
Within peer rangeVision
5.0%
Peer median 8.2%
Within peer rangeThis 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 $7,365,215 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)
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
The 2025 filing is on file and its figures are shown as filed, but most employers have not filed 2025 yet, so it is not compared with peers. 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 filing is on file and its figures are shown as filed, but most employers have not filed 2025 yet, so it is not compared with peers.
| Benefit line | Contract | Rate | vs. peers | Position |
|---|---|---|---|---|
| Medical ($0 premium) | Blue Cross Blue Shield of FloridaPlan 569 · 2,034 lives · Health | 2.0% | med 3.7% | Below peer range |
| Medical ($0 premium) | Blue Cross Blue Shield of FloridaPlan 687 · 2,034 lives · Health | 2.0% | med 3.7% | Below peer range |
| Medical ($0 premium) | Cigna Health and Life Insurance Company and Affiliates ('Cigna') | 2.0% | med 3.7% | Below peer range |
| Medical ($0 premium) | Cigna Health and Life Insurance Company and Affiliates ('Cigna') | 2.0% | med 3.7% | Below peer range |
| Medical ($0 premium) | Kaiser Foundation Health Plan, Inc.Plan 569 · 773 lives · Health | 1.8% | med 3.7% | Below peer range |
| Medical ($0 premium) | Kaiser Foundation Health Plan, Inc.Plan 687 · 773 lives · Health | 1.8% | med 3.7% | Below peer range |
| Dental ($0 premium) | Delta Dental Insurance CompanyPlan 569 · 11,127 lives · Dental | 4.0% | med 2.9% | Within peer range |
| Dental ($0 premium) | Delta Dental Insurance CompanyPlan 687 · 11,127 lives · Dental | 4.0% | med 2.9% | Within peer range |
| Life ($0 premium) | Metropolitan Life Insurance CompanyPlan 569 · 22,508 lives · Life, Other (ACCIDENTAL DEATH AND … | 6.8% | med 3.3% | Within peer range |
| Life ($0 premium) | Metropolitan Life Insurance CompanyPlan 687 · 22,508 lives · Life, Other (ACCIDENTAL DEATH AND … | 6.8% | med 3.3% | Within peer range |
| Medical ($0 premium) | UPMC Health OptionsPlan 569 · 473 lives · Health | 2.0% | med 4.7% | Below peer range |
| Medical ($0 premium) | UPMC Health OptionsPlan 687 · 473 lives · Health | 2.0% | med 4.7% | Below peer range |
| Medical ($0 premium) | Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.Plan 569 · 316 lives · Health | 2.0% | med 4.7% | Below peer range |
| Medical ($0 premium) | Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.Plan 687 · 316 lives · Health | 2.0% | med 4.7% | Below peer range |
| Medical ($0 premium) | Kaiser Foundation Health Plan, Inc.Plan 569 · 258 lives · Health | 1.8% | med 4.7% | Below peer range |
| Medical ($0 premium) | Kaiser Foundation Health Plan, Inc.Plan 687 · 258 lives · Health | 1.8% | med 4.7% | Below peer range |
| Long-term disability · contract VDT0980106 | Life Insurance Company of North AmericaPlan 687 · 5,772 lives · Long-term disability | 7.5% | med 5.8% | Within peer range |
| Short-term disability | Life Insurance Company of North America | 7.6% | med 7.1% | Within peer range |
| Dental ($0 premium) | Cigna Health and Life Insurance Company and Affiliates ('Cigna')Plan 569 · 2,611 lives · Dental, Other (PREPAID DENTAL) | 4.0% | med 4.6% | Within peer range |
| Dental ($0 premium) | Cigna Health and Life Insurance Company and Affiliates ('Cigna')Plan 687 · 2,611 lives · Dental, Other (PREPAID DENTAL) | 4.0% | med 4.6% | Within peer range |
| Medical ($0 premium) | Medical MutualPlan 569 · 218 lives · Health, Prescription drug | 2.0% | med 4.7% | Below peer range |
| Medical ($0 premium) | Medical MutualPlan 687 · 218 lives · Health, Prescription drug | 2.0% | med 4.7% | Below peer range |
| Medical ($0 premium) | Kaiser Foundation Health Plan of Georgia, Inc.Plan 569 · 256 lives · Health | 2.1% | med 4.7% | Below peer range |
| Medical ($0 premium) | Kaiser Foundation Health Plan of Georgia, Inc.Plan 687 · 256 lives · Health | 2.1% | med 4.7% | Below peer range |
| Medical ($0 premium) | Kaiser Foundation Health Plan, Inc.Plan 569 · 205 lives · Health | 2.7% | med 4.7% | Below peer range |
| Medical ($0 premium) | Kaiser Foundation Health Plan, Inc.Plan 687 · 205 lives · Health | 2.7% | med 4.7% | Below peer range |
| Medical ($0 premium) | Aetna Life Insurance Co.Plan 569 · 3,178 lives · Health | 5.0% | med 4.8% | Within peer range |
| Medical ($0 premium) | Aetna Life Insurance Co.Plan 687 · 3,178 lives · Health | 5.0% | med 4.8% | Within peer range |
| Medical ($0 premium) | Kaiser Foundation Health Plan of ColoradoPlan 569 · 183 lives · Health | 2.0% | med 4.7% | Below peer range |
| Medical ($0 premium) | Kaiser Foundation Health Plan of ColoradoPlan 687 · 183 lives · Health | 2.0% | med 4.7% | Below peer range |
| Medical ($0 premium) | Kaiser Foundation Health Plan of Washington Options, Inc.Plan 569 · 165 lives · Health | 2.0% | med 4.7% | Below peer range |
| Medical ($0 premium) | Kaiser Foundation Health Plan of Washington Options, Inc.Plan 687 · 165 lives · Health | 2.0% | med 4.7% | Below peer range |
| Vision ($0 premium) | Vision Service PlanPlan 569 · 6,119 lives · Vision | 5.0% | med 8.2% | Within peer range |
| Vision ($0 premium) | Vision Service PlanPlan 687 · 6,119 lives · Vision | 5.0% | med 8.2% | Within peer range |
| Medical ($0 premium) | Kaiser Foundation Health Plan of the NorthwestPlan 569 · 90 lives · Health | 2.0% | med 4.5% | Below peer range |
| Medical ($0 premium) | Kaiser Foundation Health Plan of the NorthwestPlan 687 · 90 lives · Health | 2.0% | med 4.5% | Below peer range |
| Long-term disability · contract LK 0980344* | Life Insurance Company of North AmericaPlan 569 · 676 lives · Long-term disability | 7.0% | med 10.9% | Within peer range |
| Long-term disability · contract LK0980344* | Life Insurance Company of North AmericaPlan 687 · 676 lives · Long-term disability | 7.0% | med 10.9% | Within peer range |
| Vision ($0 premium) | EyeMed Vision CarePlan 569 · 6,538 lives · Vision | 4.9% | med 8.2% | Below peer range |
| Vision ($0 premium) | EyeMed Vision CarePlan 687 · 6,538 lives · Vision | 4.9% | med 8.2% | Below peer range |
| Dental ($0 premium) | Delta Dental Insurance CompanyPlan 569 · 1,289 lives · Dental | 4.0% | med 7.0% | Within peer range |
| Dental ($0 premium) | Delta Dental Insurance CompanyPlan 687 · 1,289 lives · Dental | 4.0% | med 7.0% | Within peer range |
| Medical ($0 premium) | Geisinger Quality Options, Inc.Plan 569 · 37 lives · Health | 2.0% | med 4.5% | Below peer range |
| Medical ($0 premium) | Geisinger Quality Options, Inc.Plan 687 · 37 lives · Health | 2.0% | med 4.5% | Below peer range |
| Medical ($0 premium) | Priority Health Insurance CompanyPlan 569 · 29 lives · Health | 2.0% | med 4.5% | Below peer range |
| Medical ($0 premium) | Priority Health Insurance CompanyPlan 687 · 29 lives · Health | 2.0% | med 4.5% | Below peer range |
| Medical ($0 premium) | Dean Health Plan IncPlan 569 · 26 lives · Health | 1.9% | med 4.5% | Below peer range |
| Medical ($0 premium) | Dean Health Plan IncPlan 687 · 26 lives · Health | 1.9% | med 4.5% | Below peer range |
| Medical ($0 premium) | Health NetPlan 569 · 10 lives · Health | 2.0% | med 4.5% | Below peer range |
| Medical ($0 premium) | Health NetPlan 687 · 10 lives · Health | 2.0% | med 4.5% | Below peer range |
| Medical ($0 premium) | Prevea360 Health Plan | 0.4% | med 4.5% | No commission on this contract |
| Dental ($0 premium) | Safeguard Health Plans, Inc., a Florida CorporationPlan 569 · 299 lives · Dental | 4.0% | med 10.0% | Below peer range |
| Dental ($0 premium) | Safeguard Health Plans, Inc., a Florida CorporationPlan 687 · 299 lives · Dental | 4.0% | med 10.0% | Below peer range |
| Dental ($0 premium) | Safeguard Health Plans, Inc., a Texas CorporationPlan 569 · 141 lives · Dental | 4.0% | med 10.0% | No commission on this contract |
| Dental ($0 premium) | Safeguard Health Plans, Inc., a Texas CorporationPlan 687 · 141 lives · Dental | 4.0% | med 10.0% | No commission on this contract |
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 |
|---|---|---|---|
| Medical + Dental + Vision | UnitedHealthcare Insurance CompanyPlan 569 | 2.1% | Bundled; no single-line peer |
| Medical + Dental + Vision | UnitedHealthcare Insurance CompanyPlan 687 | 2.1% | Bundled; no single-line peer |
| Medical + Dental | Aetna Life Insurance Co.Plan 569 | 0.2% | Bundled; no single-line peer |
| Medical + Dental | Aetna Life Insurance Co.Plan 687 | 0.2% | Bundled; no single-line peer |
| Dental + Vision | Metropolitan Life Insurance CompanyPlan 569 | 4.1% | Bundled; no single-line peer |
| Dental + Vision | Metropolitan Life Insurance CompanyPlan 687 | 4.1% | Bundled; no single-line peer |
2 contracts under $10,000 in premium — listed for completeness, not compared to peers. Show
- Dental — Safeguard Health Plans, Inc., a California Corporation — Premium under $10,000 is too small to compare
- Dental — Safeguard Health Plans, Inc., a California Corporation — Premium under $10,000 is too small to compare
How the peer group for each line was built
- Medical: n=542 contracts, Southeast, 501-2500 covered lives
- Dental: n=42 contracts, Southeast, 10001-50000 covered lives
- Life: n=215 contracts, Southeast, 10001-50000 covered lives
- Medical: n=3,251 contracts, Southeast, 101-500 covered lives
- Long-term disability: n=169 contracts, Southeast, 2501-10000 covered lives
- Short-term disability: n=75 contracts, Southeast, 2501-10000 covered lives
- Dental: n=196 contracts, Southeast, 2501-10000 covered lives
- Medical: n=72 contracts, Southeast, 2501-10000 covered lives
- Vision: n=245 contracts, Southeast, 2501-10000 covered lives
- Medical: n=2,345 contracts, Southeast, 1-100 covered lives
- Long-term disability: n=534 contracts, Southeast, 501-2500 covered lives
- Dental: n=795 contracts, Southeast, 501-2500 covered lives
- Dental: n=2,124 contracts, Southeast, 101-500 covered lives
- Dental: n=455 contracts, Southeast, 1-100 covered lives
n = the number of peer contracts in that comparison group.
Everything in this table is from the 2024 filing. These 63 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. 2025 is not rated here. Its rows appear in Broker history above as filed — pick 2025 on the year chips there to see them.
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 687DARDEN RESTAURANTS GROUP LIFE AND HEALTH PLAN FOR HOURLY TEAM MEMBERS23K participants (2025)HealthDentalLife insuranceShort-term disabilityLong-term disabilityApprenticeship / trainingOtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 5 years on file
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PN 569DARDEN RESTAURANTS GROUP LIFE AND BENEFIT PLAN FOR SALARIED EMPLOYEES11K participants (2025)HealthDentalLife insuranceShort-term disabilityApprenticeship / trainingScholarshipSeveranceOtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 5 years on file
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PN 700DARDEN RESTAURANTS ON-SITE MEDICAL CLINIC1.2K participants (2025)HealthSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 5 years on file
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PN 689RETIREE HEALTH REIMBURSEMENT ACCOUNT FOR SALARIED EMPLOYEES OF DARDEN RESTAURANTS, INC.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
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How do similar employers compare?
Employers in the same peer group (Hospitality / Food Service, similar size), from public Form 5500 filings. Open one to see what it pays its broker.
- BOARD OF TRUSTEES NEW YORK HOTEL TRADES COUNCIL &New YorkCompensation disclosed →
- HILTON EMPLOYER INCVirginiaCompensation disclosed →
- ARAMARK SERVICES, INC.PennsylvaniaCompensation disclosed →
- OMNI HOTELS MANAGEMENT CORPORATIONTexasCompensation disclosed →
- HILTON RESORTS CORPORATIONFloridaCompensation disclosed →
Browse more: Florida employer health plans · Hospitality / Food Service plans in Florida · 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.
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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.