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GAF LLC

EIN 81-1181107 · NJ · Manufacturing — Light

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Compensation disclosed8 brokers of record, 2021–2024As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.
Employer-paid broker pay2024 · analysis: $913,1812023: $659,2962022: $493,3762021: $269,498

Benchmarked against: Manufacturing — Light · 2,501–10,000 employees · same industry, in-state · n=19 employers (your plan plus 18 peers)

6,036

(latest)

Self-funded

Funding

$913,181

Broker pay, employer-paid lines (2024)

$12.61

3rd highest of 19 comparable plans (your plan plus 18 peers)

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

Broker pay as a share of insured premium: 5.5% (peer median 5.5%, 10th highest of 19 comparable plans (your plan plus 18 peers)).

Without the 2 low-disclosure peers, this plan is 3rd highest of 17 comparable plans (your plan plus 16 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.

Employer-paid $913,181 benchmarked for 2024 · Voluntary $683,537 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

2.5%

2,850 peer contracts — p25 2.5% · median 3.6% · p75 5.0%. This contract: 2.5%.

Peer median 3.6%

Below peer range

Dental

6.0%

150 peer contracts — p25 1.5% · median 3.2% · p75 5.4%. This contract: 6.0%.

Peer median 3.2%

Above peer range

Life

7.2%

408 peer contracts — p25 2.2% · median 5.9% · p75 11.0%. This contract: 7.2%.

Peer median 5.9%

Within peer range

Long-term disability

1.5%

533 peer contracts — p25 3.3% · median 7.0% · p75 12.0%. This contract: 1.5%.

Peer median 7.0%

Below peer range

Voluntary / worksite

38.8%

181 peer contracts — p25 8.2% · median 13.0% · p75 20.8%. This contract: 38.8%.

Peer median 13.0%

Above peer range

Vision

6.2%

862 peer contracts — p25 3.0% · median 6.8% · p75 10.0%. This contract: 6.2%.

Peer median 6.8%

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.

This page shows what was filed. The report shows what it means.

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Where the $1,596,718 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 / trainingScholarshipOtherOther (collectively bargained)

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 lineContractRatevs. peersPosition
Medical · contract 235518Kaiser Foundation Health Plan, Inc.Plan 501 · 432 lives · Health2.5%2,850 peer contracts — p25 2.5% · median 3.6% · p75 5.0%. This contract: 2.5%.med 3.6%Below peer range
Dental · contract 21456Delta Dental of New York6.0%150 peer contracts — p25 1.5% · median 3.2% · p75 5.4%. This contract: 6.0%.med 3.2%Above peer range
Life ($0 premium)Securian Life Insurance CompanyPlan 501 · 5,294 lives · Life7.2%408 peer contracts — p25 2.2% · median 5.9% · p75 11.0%. This contract: 7.2%.med 5.9%Within peer range
Medical · contract 607180Kaiser Foundation Health Plan, Inc.Plan 501 · 250 lives · Health2.8%2,850 peer contracts — p25 2.5% · median 3.6% · p75 5.0%. This contract: 2.8%.med 3.6%Within peer range
Long-term disabilityLincoln National Life Insurance Company1.5%533 peer contracts — p25 3.3% · median 7.0% · p75 12.0%. This contract: 1.5%.med 7.0%Below peer range
Medical · contract SEE BELOW*UPMC Health Options2.9%2,850 peer contracts — p25 2.5% · median 3.6% · p75 5.0%. This contract: 2.9%.med 3.6%Within peer range
Voluntary / worksite · contract 85969multi-product: accident + critical illness + hospital indemnityAmerican Heritage Life Insurance CompanyPlan 501 · 2,658 lives · Other (ACCIDENT/ HOSPITAL INDEMNIT…38.8%181 peer contracts — p25 8.2% · median 13.0% · p75 20.8%. This contract: 38.8%.med 13.0%Above peer range
Dental · contract 0176645Aetna Life Insurance Co.3.0%752 peer contracts — p25 2.5% · median 4.0% · p75 6.5%. This contract: 3.0%.med 4.0%Within peer range
Vision · contract 925149UnitedHealthcare Insurance Company6.2%862 peer contracts — p25 3.0% · median 6.8% · p75 10.0%. This contract: 6.2%.med 6.8%Within peer range
Medical · contract 10119217Geisinger Quality Options, Inc.3.0%1,768 peer contracts — p25 2.7% · median 3.7% · p75 5.0%. This contract: 3.0%.med 3.7%Within peer range
Dental · contract 925149UnitedHealthcare Insurance Company6.0%752 peer contracts — p25 2.5% · median 4.0% · p75 6.5%. This contract: 6.0%.med 4.0%Within peer range
Life ($0 premium)Securian Life Insurance CompanyPlan 501 · 5,997 lives · Life, Other (ACCIDENTAL DEATH AND …8.0%408 peer contracts — p25 2.2% · median 5.9% · p75 11.0%. This contract: 8.0%.med 5.9%Within peer range
Vision · contract 30106404Vision Service Plan7.4%862 peer contracts — p25 3.0% · median 6.8% · p75 10.0%. This contract: 7.4%.med 6.8%Within peer range
Dental · contract 0236308Metropolitan Life Insurance Company4.7%752 peer contracts — p25 2.5% · median 4.0% · p75 6.5%. This contract: 4.7%.med 4.0%Within peer range
Life ($0 premium)Securian Life Insurance CompanyPlan 501 · 3,720 lives · Other (ACCIDENTAL DEATH AND DISMEM…7.2%408 peer contracts — p25 2.2% · median 5.9% · p75 11.0%. This contract: 7.2%.med 5.9%Within peer range
Voluntary / worksite · contract AON54American Heritage Life Insurance CompanyPlan 501 · 407 lives · Life99.2%1,663 peer contracts — p25 10.9% · median 16.4% · p75 22.6%. This contract: 99.2%.med 16.4%Above peer range
Dental · contract 2501436Cigna Health and Life Insurance Company and Affiliates (Cigna)6.0%2,240 peer contracts — p25 4.0% · median 5.4% · p75 10.0%. This contract: 6.0%.med 5.4%Within peer range
Medical · contract 31775Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.2.9%1,768 peer contracts — p25 2.7% · median 3.7% · p75 5.0%. This contract: 2.9%.med 3.7%Within peer range
Vision · contract SEE BELOW*EyeMed Vision Care4.8%862 peer contracts — p25 3.0% · median 6.8% · p75 10.0%. This contract: 4.8%.med 6.8%Within peer range
Medical · contract 0135165-01Medical Mutual3.0%1,768 peer contracts — p25 2.7% · median 3.7% · p75 5.0%. This contract: 3.0%.med 3.7%Within peer range
Medical · contract 47185Kaiser Foundation Health Plan of Colorado2.9%1,768 peer contracts — p25 2.7% · median 3.7% · p75 5.0%. This contract: 2.9%.med 3.7%Within peer range
Medical · contract 8878600Kaiser Foundation Health Plan of Washington Options, Inc.3.0%1,768 peer contracts — p25 2.7% · median 3.7% · p75 5.0%. This contract: 3.0%.med 3.7%Within peer range
Medical · contract 10610Kaiser Foundation Health Plan of Georgia, Inc.3.0%1,768 peer contracts — p25 2.7% · median 3.7% · p75 5.0%. This contract: 3.0%.med 3.7%Within peer range
Medical · contract 796428 S001Priority Health Insurance Company3.0%1,768 peer contracts — p25 2.7% · median 3.7% · p75 5.0%. This contract: 3.0%.med 3.7%Within peer range
Vision · contract 0236308Metropolitan Life Insurance Company6.0%862 peer contracts — p25 3.0% · median 6.8% · p75 10.0%. This contract: 6.0%.med 6.8%Within peer range
Medical · contract 60009Kaiser Foundation Health Plan of the Northwest2.9%1,768 peer contracts — p25 2.7% · median 3.7% · p75 5.0%. This contract: 2.9%.med 3.7%Within peer range
How the peer group for each line was built
  • Medical: n=2,850 contracts, Northeast, 101-500 covered lives
  • Dental: n=150 contracts, Northeast, 2501-10000 covered lives
  • Life: n=408 contracts, Northeast, 2501-10000 covered lives
  • Long-term disability: n=533 contracts, Northeast, 501-2500 covered lives
  • Voluntary / worksite: n=181 contracts, Northeast, 2501-10000 covered lives
  • Dental: n=752 contracts, Northeast, 501-2500 covered lives
  • Vision: n=862 contracts, Northeast, 501-2500 covered lives
  • Medical: n=1,768 contracts, Northeast, 1-100 covered lives
  • Voluntary / worksite: n=1,663 contracts, Northeast, 101-500 covered lives
  • Dental: n=2,240 contracts, Northeast, 101-500 covered lives

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

Everything in this table is from the 2024 filing. These 26 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.

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 501GAF LLC WELFARE PLAN6K participants (2024)
HealthDentalLife insuranceShort-term disabilityLong-term disabilityUnemploymentApprenticeship / trainingScholarshipOtherOther (collectively bargained)Self-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 setup6 brokers in 20248 across all years
Most
Peer benchmarkManufacturing — Lightn=19 · state peers

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How do similar employers compare?

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

Browse more: New Jersey employer health plans · Manufacturing — Light plans in New Jersey · 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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