H & B GROUP, INC.

EIN 77-0575793 · CA · Retail

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

Benchmarked against: Retail · 101–500 employees · same industry, in-state · n=140 employers (your plan plus 139 peers)

226

(latest)

Fully insured

Funding

$67,222

Broker pay, employer-paid lines (2021)

$24.79

32nd pct vs peers · n=140

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

Broker pay as a share of insured premium: 4.9% (peer median 5.7%, 25th percentile).

Without the 15 low-disclosure peers, this plan is at the 27th percentile of 125 comparable plans (your plan plus 124 peers).

Employer-paid $67,222 benchmarked for 2021 · Voluntary $16,323 shown separately, compared by rate only · $15,471 shown as filed, excluded as a likely filing error

Why excluded?

2 broker compensation lines totaling $15,471 on the Form 5500 appear 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.

Medical

4.0%

Peer median 4.6%

Within peer range

Dental

18.1%

Peer median 9.1%

Above peer range

Vision

6.0%

Peer median 6.9%

Below peer range

Voluntary / worksite

85.6%

Peer median 16.2%

Above peer range

Short-term disability

Not comparable

Commission is above 100% of the premium on this contract

Long-term disability

Not comparable

Premium under $10,000 is too small to compare

Life

Not comparable

Commission is above 100% of the premium 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.

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 $83,545 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

A screenshot isn't a record. Get the dated report for your file.

Line-item breakdown, multi-year trend, and methodology-backed framing — ready for fiduciary oversight and recordkeeping.

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Benefits covered (latest filing)

HealthDentalLife insuranceShort-term disabilityApprenticeship / trainingOther

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
Medical · contract 227814	Kaiser Foundation Health Plan Inc	4.0%	med 4.6%	Within peer range
Medical · contract 09G8390	UnitedHealthcare Insurance Company	1.9%	med 4.8%	Below peer range
Dental · contract 1129511	Principal Life Insurance Company	18.1%	med 9.1%	Above peer range
Medical · contract 352530	UnitedHealthcare of California	2.0%	med 4.8%	No commission on this contract
Vision	National Guardian Life Insurance Company	6.0%	med 6.9%	Below peer range
Voluntary / worksitefiled as “Life, Other (SUPPLEMENTAL LIFE/ SU…”	United of Omaha Life Insurance Company	85.6%	med 16.2%	Above peer range
Dental · contract 150108	Liberty Dental Plan of California, IncPlan 501 · 79 lives · Dental	16.4%	med 9.1%	Above peer range
Dental · contract 150110	Liberty Dental Plan of California, IncPlan 501 · 49 lives · Dental	16.4%	med 9.1%	Above peer range
Dental · contract 150111	Liberty Dental Plan of California, IncPlan 501 · 53 lives · Dental	17.3%	med 9.1%	Above peer range
Short-term disability	United of Omaha Life Insurance Company	Not comparable	Commission is above 100% of the premium on this contract	Commission is above 100% of the premium on this contract

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

Long-term disability — United of Omaha Life Insurance Company — Premium under $10,000 is too small to compare
Life — United of Omaha Life Insurance Company — Commission is above 100% of the premium on this contract

How the peer group for each line was built

Medical: n=4,776 contracts, West, 101-500 covered lives
Medical: n=4,107 contracts, West, 1-100 covered lives
Dental: n=835 contracts, West, 1-100 covered lives
Vision: n=353 contracts, West, 1-100 covered lives
Voluntary / worksite: n=1,401 contracts, West, 1-100 covered lives
Short-term disability: n=300 contracts, West, 1-100 covered lives
Long-term disability: n=380 contracts, West, 1-100 covered lives
Life: n=650 contracts, West, 1-100 covered lives

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

Everything in this table is from the 2021 filing. These 12 contracts are a subset of the broker compensation disclosed for that year. The remainder sits on bundled multi-line contracts, contracts with no premium reported, or Schedule C service-provider fees, none of which carry a comparable single-line 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. A rate on bundled multi-line premium is not comparable to a single-line rate, so bundled contracts are never given a peer position. 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: Commission is above 100% of the premium on this contract

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 501H & B GROUP, INC. HEALTH & WELFARE PLAN226 participants (2021)

HealthDentalLife insuranceShort-term disabilityApprenticeship / trainingOtherFully 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 benchmarkRetailn=140 · state peers

Is this your company?

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How do similar employers compare?

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

Browse more: California employer health plans · Retail plans in California · all states

Sourced from Form 5500 filings as submitted to the U.S. Department of Labor. Most recent plan year on file: 2021. 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.