RIVER CREST COUNTRY CLUB

EIN 75-0525930 · TX · Other

Compensation disclosed6 brokers of record, 2021–2024As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Employer-paid broker pay2024 · analysis: $87,2202023: $103,7602022: $79,4282021: $71,772

Benchmarked against: Other · 101–500 employees · same industry, in-state · n=418 employers (your plan plus 417 peers)

141

(latest)

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

Funding

$87,220

Broker pay, employer-paid lines (2024)

$51.55

81st pct vs peers · n=418

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

Broker pay as a share of insured premium: 7.7% (peer median 7.8%, 50th percentile).

Without the 82 low-disclosure peers, this plan is at the 76th percentile of 336 comparable plans (your plan plus 335 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.

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

6.5%

Peer median 4.9%

Above peer range

Dental

9.8%

Peer median 10.0%

Within peer range

Vision

10.1%

Peer median 10.0%

Within peer range

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.

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 $87,220 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)

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).

Broker history

Benefit lines covered by year — broker identity limited on public pages

Year:

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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
Medicalfiled as “Health”	Cigna Health and Life Insurance Company	6.5%	med 4.9%	Above peer range
Dental	Cigna Health and Life Insurance Company and Affiliates	9.8%	med 10.0%	Within peer range
Vision	Metropolitan Life Insurance Company	10.1%	med 10.0%	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
Dental + Life + Short-term disability + Long-term disability	United of Omaha Life Insurance CompanyPlan 502	20.6%	Bundled; no single-line peer

How the peer group for each line was built

Medical: n=1,498 contracts, Southwest, 101-500 covered lives
Dental: n=711 contracts, Southwest, 101-500 covered lives
Vision: n=972 contracts, Southwest, 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 502RIVER CREST COUNTRY CLUB WELFARE BENEFITS PLAN141 participants (2024)

HealthDentalLife insuranceShort-term disabilityLong-term disabilityApprenticeship / trainingSeveranceOtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 4 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 file4

Lead broker continuityFiled brokername changed

Broker setup2 brokers in 20246 across all years

Most

Peer benchmarkOthern=418 · 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: Texas employer health plans · Other plans in Texas · 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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