CADRE5, LLC

EIN 62-1794528 · TN · Accounting / Consulting

Compensation disclosed3 brokers of record on fileAs reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Benchmarked against: Accounting / Consulting · 101–500 employees · same industry, regional · n=92 employers (your plan plus 91 peers)

Your exact in-state peer group was below the 10-plan minimum, so the comparison broadens to same industry, regional within Accounting / Consulting.

113

(latest)

Fully insured

Funding

$5,207

Broker pay, employer-paid lines (2024)

$3.84

4th pct vs peers · n=92

Lines disclosed: Dental · Vision · Short-term disability · Long-term disability · Low disclosure

Broker pay as a share of insured premium: 7.6% (peer median 6.3%, 74th percentile).

Without the 16 low-disclosure peers, this plan is at the 1st percentile of 76 comparable plans (your plan plus 75 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 $5,207 benchmarked for 2024 · $98,558 shown as filed, excluded as a likely filing error

Why excluded?

1 broker compensation line totaling $98,558 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.

Long-term disability

15.0%

Peer median 15.6%

Within peer range

Short-term disability

Not comparable

Premium under $10,000 is too small to compare

Dental and Vision 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.

Life is not on this filing as its own contract, so there is no peer rate to show for it.

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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Broker Compensation Benchmark Report

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Where the $5,207 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)

HealthLife insuranceShort-term disabilityApprenticeship / trainingLong-term disabilityDental

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
Long-term disability	The Lincoln National Life Insurance Company	15.0%	med 15.6%	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
Medical + Dental + Vision	Bluecross Blueshield of Tennessee, Inc.Plan 501	Not comparable	Bundled; no single-line peerCommission is above 100% of the premium on this contract
Other benefitTERM LIFE	The Lincoln National Life Insurance CompanyPlan 501	Not comparable	No comparable linePremium under $10,000 is too small to compare

1 contract under $10,000 in premium — listed for completeness, not compared to peers. Show

Short-term disability — The Lincoln National Life Insurance Company — Premium under $10,000 is too small to compare

How the peer group for each line was built

Long-term disability: n=1,753 contracts, Southeast, 101-500 covered lives
Short-term disability: n=1,476 contracts, Southeast, 101-500 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.

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 501CADRE5, LLC113 participants (2024)

HealthLife insuranceShort-term disabilityApprenticeship / trainingLong-term disabilityDentalFully insured

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 file1

Lead broker continuitySingle year on file

Broker setup3 brokers across benefit lines

Most

Peer benchmarkAccounting / Consultingn=92 · regional peers

Is this your company?

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Or share your plan basics to unlock your company’s full detail — the report PDF itself is a separate purchase.

How do similar employers compare?

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

Browse more: Tennessee employer health plans · Accounting / Consulting plans in Tennessee · 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.