STOWERS MACHINERY CORPORATION

EIN 62-0636387 · TN · Other

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

Employer-paid broker pay2025: $90,3982024 · analysis: $79,2242023: $70,9702022: $68,6062021: $64,518

Benchmarked against: Other · 101–500 employees · same industry, in-state · n=91 employers (your plan plus 90 peers)

425

(2024)

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

Funding

$79,224

Broker pay, employer-paid lines (2024)

$15.53

2024 · 46th pct vs peers · n=91

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

Broker pay as a share of insured premium: 10.0% (peer median 10.2%, 49th percentile).

Without the 7 low-disclosure peers, this plan is at the 42nd percentile of 84 comparable plans (your plan plus 83 peers).

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.

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: same region, similar covered lives. Full table below. How the national rates are built.

Dental

5.0%

Peer median 7.0%

Within peer range

Short-term disability

11.4%

Peer median 15.3%

Within peer range

Life

15.1%

Peer median 15.2%

Within peer range

Long-term disability

16.2%

Peer median 10.9%

Within peer range

Vision

9.9%

Peer median 9.9%

Within peer range

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 $79,224 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 insuranceShort-term disabilityLong-term disabilityApprenticeship / trainingSeveranceOther

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 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
Dental	Delta Dental of Tennessee	5.0%	med 7.0%	Within peer range
Short-term disability	Standard Insurance Company	11.4%	med 15.3%	Within peer range
Lifefiled as “Life, Other (ACCIDENTAL DEATH AND …”	Standard Insurance Company	15.1%	med 15.2%	Within peer range
Long-term disability	Standard Insurance Company	16.2%	med 10.9%	Within peer range
Vision	Bluecross Blueshield of Tennessee, Inc.	9.9%	med 9.9%	Within peer range

How the peer group for each line was built

Dental: n=795 contracts, Southeast, 501-2500 covered lives
Short-term disability: n=1,476 contracts, Southeast, 101-500 covered lives
Life: n=2,865 contracts, Southeast, 101-500 covered lives
Long-term disability: n=534 contracts, Southeast, 501-2500 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 5 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.

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.

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 501STOWERS MACHINERY CORPORATION LIFE, ACCIDENT AND HEALTH INSURANCE460 participants (2025)

HealthDentalLife insuranceShort-term disabilityLong-term disabilityApprenticeship / trainingSeveranceOtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 5 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 file5

Lead broker continuitySame primary broker

Broker setup1 broker in 20244 across all years

Most

Peer benchmarkOthern=91 · state peers

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How do similar employers compare?

Employers in the same peer group (Other, similar size), from public Form 5500 filings. Open one to see what it pays its broker.

Browse more: Tennessee employer health plans · Other plans in Tennessee · 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.