CENTER FOR TRANSFORMING LIVES

EIN 75-0829389 · TX · Other

Compensation disclosed2 brokers of record, 2020–2025As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Employer-paid broker pay2025 · analysis: $61,5662024: $65,8662023: $52,4252022: $63,9092021: $57,0102020: $546

Benchmarked against: Other · 101–500 employees · same industry, in-state · n=156 employers (your plan plus 155 peers)

143

(latest)

Fully insured

Funding

$61,566

Broker pay, employer-paid lines (2025)

$35.88

38th pct vs peers · n=156

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

Broker pay as a share of insured premium: 5.5% (peer median 5.5%, 48th percentile).

Without the 13 low-disclosure peers, this plan is at the 33rd percentile of 143 comparable plans (your plan plus 142 peers).

Employer-paid $61,566 benchmarked for 2025 · Voluntary $4,889 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.

Medical

4.9%

Peer median 4.9%

Within peer range

Voluntary / worksite

20.0%

Peer median 20.1%

Within peer range

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 $66,455 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 insuranceLong-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
Medical · contract 940825	UnitedHealthcare Insurance CompanyPlan 503 · 347 lives · Health	4.9%	med 4.9%	Within peer range
Medical · contract 1424871	UnitedHealthcare Insurance CompanyPlan 503 · 12 lives · Health	4.5%	med 4.7%	Within peer range
Voluntary / worksitemulti-product: accident + critical illness	UnitedHealthcare Insurance Company	20.0%	med 20.1%	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
Life + Short-term disability + Long-term disability	United of Omaha Life Insurance CompanyPlan 503	15.0%	Bundled; no single-line peer

How the peer group for each line was built

Medical: n=858 contracts, Southwest, 101-500 covered lives
Medical: n=382 contracts, Southwest, 1-100 covered lives
Voluntary / worksite: n=721 contracts, Southwest, 1-100 covered lives

n = the number of peer contracts in that comparison group.

Everything in this table is from the 2025 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.

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 503CENTER FOR TRANSFORMING LIVES WELFARE PLAN143 participants (2025)

HealthDentalLife insuranceLong-term disabilityApprenticeship / trainingSeveranceOtherFully insured

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PN 502CENTER FOR TRANSFORMING LIVES MEDICAL PLAN0 participants (2024)

HealthLife insuranceFully insured · 4 years on file

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PN 501CENTER FOR TRANSFORMING LIVES WELFARE PLAN0 participants (2024)

DentalOtherFully insured · 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

Primary brokerLimited on public pages

Years on file6

Lead broker continuityFiled brokername changed

Most

Peer benchmarkOthern=156 · state peers

Is this your company?

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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: 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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