ARCO BUSINESS SERVICES

Formerly ARCO BUSINESS SERVICES, INC.

EIN 82-1231926 · MO · Insurance / Financial Services

Compensation disclosed3 brokers of record, 2023–2025As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Employer-paid broker pay2025: $186,2152024 · analysis: $243,4982023: $496,659

Benchmarked against: Insurance / Financial Services · 501–2,500 employees · same industry, nationwide · n=84 employers

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

1,919

(2024)

Fully insured

Funding

$243,498

Broker pay, employer-paid lines (2024)

$10.57

2024

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

Broker pay as a share of insured premium: 8.1% (peer median n/a, percentile unavailable).

Employer-paid $243,498 benchmarked for 2024 · Voluntary $68,682 shown separately, compared by rate only

Showing 2024, 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 2024?

The figures above use 2024, the latest year we can compare with similar employers. A filing for 2025 is on file. Most employers have not filed for 2025 yet, so there is no complete peer group to compare it with. Rows for 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: same region, similar covered lives. Full table below. How the national rates are built.

Dental

4.4%

Peer median 2.7%

Above peer range

Long-term disability

12.3%

Peer median 8.9%

Within peer range

Life

3.8%

Peer median 10.9%

Below peer range

Vision

15.5%

Peer median 9.4%

Above peer range

Voluntary / worksite

13.6%

Peer median 18.6%

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.

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
A committee-ready PDF: full broker breakdown, renewal question set, and disclosure-request letter included

Your full $199 applies toward Renewal Readiness if you upgrade within 60 days.

One-time purchase · 12 months of live access · PDF yours to keep · See a sample report

Researching several companies? Insight Pass — $299 per seat

Broker Compensation Benchmark Report

Peer distributions · dollar quantification · 3-year trajectory · modeled alternatives

SAMPLE

Where the $312,180 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.

Or, if this is your company, share your plan basics to unlock your company’s full detail — the dated report PDF stays a separate purchase.

Benefits covered (latest filing)

HealthDentalLife insuranceShort-term disabilityLong-term disabilityApprenticeship / training

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 and its figures are shown as filed, but most employers have not filed 2025 yet, so it is not compared with peers. The analysis year is 2024, the latest year that is complete and benchmarked.

Broker identity on this page is limited for public viewers. Sign in with your work email or share your plan basics for the full breakdown on your company.

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 2024 — the same year as the headline figure and per-participant rate above. The 2025 filing is on file and its figures are shown as filed, but most employers have not filed 2025 yet, so it is not compared with peers.

Benefit line	Contract	Rate	vs. peers	Position
Dental	Delta Dental of Missouri	4.4%	med 2.7%	Above peer range
Long-term disability	Reliance Standard Life Insurance Company	12.3%	med 8.9%	Within peer range
Life · contract GL 131027	Reliance Standard Life Insurance CompanyPlan 501 · 1,912 lives · Life	3.8%	med 10.9%	Below peer range
Vision	Vision Service Plan	15.5%	med 9.4%	Above peer range
Life · contract VG 180891	Reliance Standard Life Insurance CompanyPlan 501 · 408 lives · Life	18.7%	med 14.7%	Within peer range
Voluntary / worksite · contract VAI 827892	Reliance Standard Life Insurance CompanyPlan 501 · 685 lives · Other (VOLUNTARY ACCIDENT)	13.6%	med 18.6%	Within peer range
Voluntary / worksite · contract VCI 802641	Reliance Standard Life Insurance CompanyPlan 501 · 689 lives · Other (VOLUNTARY CRITICAL ILLNESS)	22.9%	med 18.6%	Within peer range

How the peer group for each line was built

Dental: n=130 contracts, Midwest, 2501-10000 covered lives
Long-term disability: n=557 contracts, Midwest, 501-2500 covered lives
Life: n=1,131 contracts, Midwest, 501-2500 covered lives
Vision: n=1,235 contracts, Midwest, 501-2500 covered lives
Life: n=2,636 contracts, Midwest, 101-500 covered lives
Voluntary / worksite: n=982 contracts, Midwest, 501-2500 covered lives

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

Everything in this table is from the 2024 filing. These 7 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. 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. 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 501ARCO COMPANIES BENEFIT TRUST2K participants (2025)

HealthDentalLife insuranceShort-term disabilityLong-term disabilityApprenticeship / trainingFully insured · 3 years on file

Loading contracts…

PN 502ARCO BUSINESS SERVICES, INC. GROUP HEALTH BENEFIT PLAN132 participants (2024)

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

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 file3

Lead broker continuityFiled brokername changed

Broker setup3 brokers across benefit lines

Most

Peer benchmarkInsurance / Financial Servicesn=84 · national peers

Is this your company?

The Broker Compensation Benchmark Report is the dated, sourced PDF for your fiduciary file — line-item breakdown, interpretation, methodology, and 12 months of live access. Unbrokered does not provide legal advice.

Or share your plan basics to unlock your company’s full detail — the report PDF itself is a separate purchase.

How do similar employers compare?

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

Browse more: Missouri employer health plans · Insurance / Financial Services plans in Missouri · all states

Sourced from Form 5500 filings as submitted to the U.S. Department of Labor. Analysis year: 2024; 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.

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.