UNUM GROUP
EIN 62-1598430 · ME · Insurance / Financial Services
This filing doesn't itemize broker compensation the way most peer employers do. That can be a clean fee arrangement — or pay baked into premium. Peer market rates for similar plans are below.
Benchmarked against: Insurance / Financial Services · 2,501–10,000 employees · same industry, regional · n=48 employers
Peer disclosed broker cost: median $5.03 per participant per month · typical range $2.42–$7.04. This company's filings did not itemize an amount to place on that scale.
Your exact in-state peer group was below the 10-plan minimum, so the comparison broadens to same industry, regional within Insurance / Financial Services.
9,425
(latest)
Self-fundedSelf-funded (incl. mixed, stop-loss and level-funded).
Funding
Voluntary only
Broker pay, employer-paid lines (2024)
—
Peer median $5.03 per participant per month
Employer-paid $0 benchmarked for 2024 · Voluntary $49,402 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.
Voluntary / worksite
Not comparable
Premium under $10,000 is too small to compare
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.
Life is 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.
Dental and Vision are not on this filing as their own contracts, so there is no peer rate to show for them.
Where the $49,402 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
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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 |
|---|
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 |
|---|---|---|---|
| Life + Short-term disability | Colonial Life & Accident Insurance CompanyPlan 505 | 5.0% | Bundled; no single-line peer |
1 contract under $10,000 in premium — listed for completeness, not compared to peers. Show
- Voluntary / worksite — The Paul Revere Life Insurance Company — Premium under $10,000 is too small to compare
How the peer group for each line was built
- Voluntary / worksite: n=1,587 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 2 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 505UNUM GROUP WELFARE BENEFITS PLAN9.4K participants (2024)HealthDentalLife insuranceShort-term disabilityLong-term disabilityApprenticeship / trainingScholarshipOtherSeveranceSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 4 years on file
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PN 510UNUM GROUP EMPLOYEES SHORT TERM DISABILITY PLAN9.2K participants (2024)Long-term disabilitySelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 4 years on file
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PN 514UNUM GROUP RETIREE BENEFITS PLAN0 participants (2024)HealthDentalLife insuranceSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 4 years on file
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PN 517UNUM GROUP ACCIDENT0 participants (2021)OtherFully insured
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PN 512UNUM GROUP LONG TERM CARE PLAN0 participants (2021)OtherFully insured
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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 (Insurance / Financial Services, similar size), from public Form 5500 filings. Open one to see what it pays its broker.
- ENSEMBLE HEALTH PARTNERS HOLDINGS, LLCOhioCompensation disclosed →
- THE CAPITAL GROUP COMPANIES, INC.CaliforniaCompensation disclosed →
- LPL FINANCIAL, LLCCaliforniaCompensation disclosed →
- ZIONS BANCORPORATION, N.A.UtahCompensation disclosed →
- EMPLOYEES OF MUNICIPAL AND OTHER PUBLIC EMPLOYERS OF MAINE HEALTH TRMaineCompensation disclosed →
Browse more: Maine employer health plans · Insurance / Financial Services plans in Maine · 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.
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