TCF III KARMAN, LLC

EIN 80-0385382 · CA · Manufacturing — Heavy

Compensation disclosed4 brokers of record, 2022–2023As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Employer-paid broker pay2023 · analysis: $353,7792022: $93,634

Benchmarked against: Manufacturing — Heavy · 501–2,500 employees · same industry, in-state · n=16 employers (your plan plus 15 peers)

545

(latest)

Fully insured

Funding

$353,779

Broker pay, employer-paid lines (2023)

$54.09

3rd highest of 16 comparable plans (your plan plus 15 peers)

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

Broker pay as a share of insured premium: 5.7% (peer median 4.7%, 3rd highest of 16 comparable plans (your plan plus 15 peers)).

Employer-paid $353,779 benchmarked for 2023 · Voluntary $12,042 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

4.8%

Peer median 4.7%

Within peer range

Life

24.0%

Peer median 15.0%

Above peer range

Voluntary / worksite

23.5%

Peer median 17.2%

Above 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.

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.

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 $365,821 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
Medical (Prescription drug)	Kaiser Foundation Health Plan, Inc.	4.8%	med 4.7%	Within peer range
Medical (basic)	Aetna Health, Inc.	5.2%	med 4.7%	Within peer range
Lifefiled as “Life, Other (ACCIDENTAL DEATH AND …”	Unum Life Insurance Company of America	24.0%	med 15.0%	Above peer range
Voluntary / worksite · contract 707517	Unum Insurance CompanyPlan 501 · 155 lives · Other (ACCIDENT)	23.5%	med 17.2%	Above peer range
Voluntary / worksite · contract 707518	Unum Insurance CompanyPlan 501 · 77 lives · Other (HOSPITAL INDEMNITY)	20.6%	med 17.1%	Within peer range
Voluntary / worksite · contract 707516	Unum Insurance CompanyPlan 501 · 78 lives · Other (CRITICAL ILLNESS)	8.4%	med 17.1%	Below 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	Aetna Life Insurance CompanyPlan 501	8.0%	Bundled; no single-line peer
Life + Long-term disability	Unum Life Insurance Company of AmericaPlan 501	25.2%	Bundled; no single-line peer
Short-term disability + Long-term disability	Unum Life Insurance Company of AmericaPlan 501	21.8%	Bundled; no single-line peer

How the peer group for each line was built

Medical: n=4,767 contracts, West, 101-500 covered lives
Life: n=606 contracts, West, 1-100 covered lives
Voluntary / worksite: n=1,690 contracts, West, 101-500 covered lives
Voluntary / worksite: n=1,639 contracts, West, 1-100 covered lives

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

Everything in this table is from the 2023 filing. These 9 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 501TCF III KARMAN WELFARE BENEFITS PLAN545 participants (2023)

HealthDentalLife insuranceShort-term disabilityLong-term disabilityApprenticeship / trainingSeveranceOtherFully insured · 2 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 file2

Lead broker continuitySame primary broker

Broker setup4 brokers across benefit lines

Most

Peer benchmarkManufacturing — Heavyn=16 · state peers

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How do similar employers compare?

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

Browse more: California employer health plans · Manufacturing — Heavy 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: 2023. 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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