HCA INC.

EIN 75-2497104 · TN · Other

Compensation disclosed24 brokers of record, 2021–2025As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Employer-paid broker pay2025: $2,357,7502024: $3,173,1102023: $2,841,3622022 · analysis: $10,604,1222021: $10,815,7602019: Not reported2018: Not reported2017: Not reported

Benchmarked against: Other · 50,000+ employees · same industry, nationwide · n=19 employers (your plan plus 18 peers)

Your exact in-state peer group was below the 10-plan minimum, so the comparison broadens to same industry, nationwide within Other.

181,702

(2022)

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

Funding

$10,604,122

Broker pay, employer-paid lines (2022)

$4.86

2022 · 2nd highest of 19 comparable plans (your plan plus 18 peers)

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

Broker pay as a share of insured premium: 8.3% (peer median 1.6%, 2nd highest of 19 comparable plans (your plan plus 18 peers)).

Without the 4 low-disclosure peers, this plan is 2nd highest of 15 comparable plans (your plan plus 14 peers).

Employer-paid $10,604,122 benchmarked for 2022 · Voluntary $442,635 shown separately, compared by rate only

Showing 2022, 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 2022?

The figures above use 2022, the latest year we can compare with similar employers. A filing for 2023–2025 is on file. 2023 shows commissions paid through insurance contracts, and is missing the compensation the plan pays brokers directly that a recent prior year reported. A missing schedule usually means that year's filing is still arriving, so we wait for both before comparing the year with peers. 2024 shows commissions paid through insurance contracts, and is missing the compensation the plan pays brokers directly that a recent prior year reported. A missing schedule usually means that year's filing is still arriving, so we wait for both before comparing the year with peers. 2025 shows commissions paid through insurance contracts, and is missing the compensation the plan pays brokers directly that a recent prior year reported. A missing schedule usually means that year's filing is still arriving, so we wait for both before comparing the year with peers. 2023 broker pay on file so far totals $3,294,064 across all lines, about 70% less than the $11,046,757 for 2022. 2024 broker pay on file so far totals $3,910,561 across all lines, about 65% less than the $11,046,757 for 2022. 2025 broker pay on file so far totals $2,881,692 across all lines, about 74% less than the $11,046,757 for 2022. Rows for 2023–2025 stay in the broker history and stay out of the headline and the peer 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: the tightest available peer cell for each line. Full table below. How the national rates are built.

Long-term disability

2.4%

Peer median 1.3%

Above peer range

Voluntary / worksite

3.0%

Peer median 15.7%

Below peer range

Stop-loss

2.5%

Peer median 7.0%

Below peer range

Short-term disability

Not comparable

Rate is above 40% of premium on a core line, or 100% on a voluntary line

Dental

0.1%

Peer median 3.0%

No commission on this contract

Life

<0.1%

Peer median 7.3%

No commission on this contract

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.

Vision 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
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Where the $11,046,757 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 disabilityUnemploymentApprenticeship / trainingScholarshipOtherSeverance

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:

The 2025 filing is on file, but one of its compensation schedules has not arrived yet. The analysis year is 2022, 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 2022 — the same year as the headline figure and per-participant rate above. The 2025 filing is on file, but one of its compensation schedules has not arrived yet.

Benefit line	Contract	Rate	vs. peers	Position
Long-term disabilityfiled as “Long-term disability, Other (ABIL)”	Hartford Life and Accident	2.4%	med 1.3%	Above peer range
Voluntary / worksitemulti-product: accident + critical illness	UnitedHealthcare Insurance Company	3.0%	med 15.7%	Below peer range
Stop-loss	Sun Life Assurance Company of Canada	2.5%	med 7.0%	Below peer range
Short-term disability	Prudential	Not comparable	Rate is above 40% of premium on a core line, or 100% on a voluntary line	Rate is above 40% of premium on a core line, or 100% on a voluntary line
Dental ($0 premium)	Cigna Health and Life Insurance Company	0.1%	med 3.0%	No commission on this contract
Dental ($0 premium)	Humana Compbenefits Insurance Company	1.0%	med 4.5%	Below peer range
Life	Transamerica Life Insurance Company	<0.1%	med 7.3%	No commission on this contract
Dental ($0 premium)	Delta Dental of TennesseePlan 550 · 3,054 lives · Dental	1.0%	med 4.5%	Below peer range
Dental ($0 premium)	Cigna Dental Health of Texas, Inc.	1.0%	med 6.4%	Below peer range
Dental ($0 premium)	Delta Dental of TennesseePlan 550 · 3,038 lives · Dental	1.0%	med 4.5%	Below peer range
Dental ($0 premium)	Delta Dental of TennesseePlan 550 · 2,649 lives · Dental	1.0%	med 4.5%	Below peer range
Dental ($0 premium)	Delta Dental of TennesseePlan 550 · 1,186 lives · Dental	1.0%	med 6.4%	Below peer range
Dental ($0 premium)	Cigna Dental Health Missouri, Inc.	1.0%	med 9.9%	Below peer range
Dental ($0 premium)	Delta Dental of TennesseePlan 550 · 380 lives · Dental	1.0%	med 9.9%	Below peer range
Dental ($0 premium)	Cigna Dental Health of Kentucky, Inc.	1.0%	med 6.7%	No commission on this contract

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	PrudentialPlan 550	1.7%	Bundled; no single-line peer
Life + Short-term disability	PrudentialPlan 550	0.9%	Bundled; no single-line peer
Life + Short-term disability + Long-term disability	Prudential Insurnace Company of AmericaPlan 590	20.3%	Bundled; no single-line peer
Other benefitOther benefit	Cigna Dental Health of Florida, Inc.Plan 550	1.0%	No comparable line
Other benefitLONG TERM CARE	Metropolitan Life Insurance CompanyPlan 550	5.0%	No comparable line
Other benefitOther benefit	Cigna Dental Health of California, Inc.Plan 550	1.0%	No comparable line
Other benefitOther benefit	Cigna Dental Health of Virginia, Inc.Plan 550	1.0%	No comparable line
Other benefitOther benefit	Cigna Dental Health of Kansas, Inc.Plan 550	1.0%	No comparable line
Other benefitOther benefit	Cigna Dental Health of Colorado, Inc.Plan 550	Not comparable	No comparable linePremium under $10,000 is too small to compare
Other benefitOther benefit	Cigna Dnetal Health of Illinois, Inc.Plan 550	Not comparable	No comparable linePremium under $10,000 is too small to compare
Other benefitOther benefit	Cigna Dental Health Plan of Arizona, Inc.Plan 550	Not comparable	No comparable linePremium under $10,000 is too small to compare
Other benefitOther benefit	Cigna Dental Health of Delaware, Inc.Plan 550	Not comparable	No comparable linePremium under $10,000 is too small to compare

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

Dental — Cigna Dental Health of Maryland, Inc. — Premium under $10,000 is too small to compare
Dental — Cigna Dental Health of North Carolina, Inc. — Premium under $10,000 is too small to compare
Dental — Cigna Dental Health of Pennsylvania, Inc. — Premium under $10,000 is too small to compare
Dental — Cigna Dental Health of Ohio, Inc. — Premium under $10,000 is too small to compare
Dental — Cigna Dental Health of New Jersey, Inc. — Premium under $10,000 is too small to compare

How the peer group for each line was built

Long-term disability: n=10 contracts, Southeast, 50000+ covered lives
Voluntary / worksite: n=62 contracts, Southeast, 10001-50000 covered lives
Stop-loss: n=2,209 contracts, national
Short-term disability: n=8,291 contracts, national
Dental: n=40 contracts, Southeast, 10001-50000 covered lives
Dental: n=194 contracts, Southeast, 2501-10000 covered lives
Life: n=468 contracts, Southeast, 2501-10000 covered lives
Dental: n=805 contracts, Southeast, 501-2500 covered lives
Dental: n=2,224 contracts, Southeast, 101-500 covered lives
Dental: n=17,013 contracts, national
Dental: n=512 contracts, Southeast, 1-100 covered lives

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

Everything in this table is from the 2022 filing. These 32 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. 2025 is not rated here. Its rows appear in Broker history above as filed — pick 2025 on the year chips there to see them.

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. A near-zero rate on a large premium usually means the broker is paid elsewhere (through a bundled contract, a Schedule C fee, or commission on other lines), so no market position is shown for that contract. Not comparable: Rate is above 40% of premium on a core line, or 100% on a voluntary line

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 550HCA INC. HEALTH AND WELFARE BENEFITS PLAN224K participants (2025)

HealthDentalLife insuranceShort-term disabilityLong-term disabilityUnemploymentApprenticeship / trainingScholarshipOtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 5 years on file

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PN 551HCA SHORT-TERM DISABILITY BENEFITS PLAN214K participants (2025)

Long-term disabilitySelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 4 years on file

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PN 511EMPLOYEE HEALTH & SAFETY BENEFIT PLAN88K participants (2025)

HealthLong-term disabilitySeveranceSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 5 years on file

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PN 590PROVIDER CARE GROUP HEALTH & WELFARE BENEFITS PLAN2.8K participants (2024)

HealthDentalLife insuranceShort-term disabilityLong-term disabilityApprenticeship / trainingSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 4 years on file

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PN 599HCA ESSENTIAL PLAN192 participants (2025)

HealthSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 8 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 file5

Lead broker continuityFiled brokername changed

Broker setup12 brokers in 202224 across all years

Most

Peer benchmarkOthern=19 · national 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: 2022; 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.