COCORES HOLDINGS, LLC DBA UFINANCIAL GROUP
EIN 82-2487164 · PA · Insurance / Financial Services
Benchmarked against: Insurance / Financial Services · 101–500 employees · same industry, in-state · n=69 employers (your plan plus 68 peers)
136
(2023)
Self-fundedSelf-funded (incl. mixed, stop-loss and level-funded).
Funding
$43,189
Broker pay, employer-paid lines (2023)
$26.46
2023 · 63rd pct vs peers · n=69
Lines disclosed: Dental · Vision · Life · Short-term disability · Long-term disability
Broker pay as a share of insured premium: 6.7% (peer median 9.4%, 33rd percentile).
Without the 7 low-disclosure peers, this plan is at the 62nd percentile of 62 comparable plans (your plan plus 61 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 $43,189 benchmarked for 2023 · Voluntary $3,367 shown separately, compared by rate only
Showing 2023, 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 2023?
The figures above use 2023, the latest year we can compare with similar employers. A filing for 2024–2025 is on file. 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. Most employers have not filed for 2025 yet, so there is no complete peer group to compare it with. Rows for 2024–2025 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.
Medical
1.6%
Peer median 3.7%
Below peer rangeLong-term disability
11.1%
Peer median 13.6%
Within peer rangeShort-term disability
9.6%
Peer median 11.1%
Within peer rangeVoluntary / worksite
9.9%
Peer median 16.1%
Below peer rangeLife
Not comparable
Premium under $10,000 is too small to compare
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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Broker Compensation Benchmark Report
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Where the $46,556 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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Line-item breakdown, multi-year trend, and methodology-backed framing — ready for fiduciary oversight and recordkeeping.
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Benefits covered (latest filing)
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
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 2023, 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 2023 — 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 |
|---|---|---|---|---|
| Medical (basic) | Aetna Life Insurance Co. | 1.6% | med 3.7% | Below peer range |
| Medical (DRUG) | Highmark Inc. | 3.0% | med 3.7% | Within peer range |
| Long-term disability | Standard Insurance Company | 11.1% | med 13.6% | Within peer range |
| Short-term disability | Standard Insurance Company | 9.6% | med 11.1% | Within peer range |
| Voluntary / worksite (DEPENDENT LIFE/ SUPPLEMENTAL LIFE) | Standard Insurance CompanyPlan 504 · 64 lives · Life, Other (DEPENDENT LIFE/ SUPPL… | 9.9% | med 16.1% | Below peer range |
| Voluntary / worksite (WHOLE LIFE) | Massachusetts Mutual Life Insurance CompanyPlan 504 · 24 lives · Life, Other (WHOLE LIFE) | 1.0% | med 16.1% | 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 |
|---|---|---|---|
| Dental + Vision | Metropolitan Life Insurance CompanyPlan 504 | 6.4% | Bundled; no single-line peer |
6 contracts under $10,000 in premium — listed for completeness, not compared to peers. Show
- Life — Standard Insurance Company — Premium under $10,000 is too small to compare
- Voluntary / worksite — Reliance Standard Life Insurance Company — Premium under $10,000 is too small to compare
- Voluntary / worksite — Massachusetts Mutual Life Insurance Company — Premium under $10,000 is too small to compare
- Voluntary / worksite — Reliance Standard Life Insurance Company — Premium under $10,000 is too small to compare
- Voluntary / worksite — Standard Insurance Company — Premium under $10,000 is too small to compare
- Voluntary / worksite — Standard Insurance Company — Premium under $10,000 is too small to compare
How the peer group for each line was built
- Medical: n=1,784 contracts, Northeast, 1-100 covered lives
- Long-term disability: n=1,300 contracts, Northeast, 101-500 covered lives
- Short-term disability: n=966 contracts, Northeast, 101-500 covered lives
- Voluntary / worksite: n=1,414 contracts, Northeast, 1-100 covered lives
- Life: n=2,306 contracts, Northeast, 101-500 covered lives
- Voluntary / worksite: n=1,493 contracts, Northeast, 101-500 covered lives
n = the number of peer contracts in that comparison group.
Everything in this table is from the 2023 filing. These 13 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.
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 504COCORES HOLDINGS, LLC DBA UFINANCIAL GROUP WRAP PLAN143 participants (2025)HealthDentalLife insuranceShort-term disabilityLong-term disabilityApprenticeship / trainingOtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 5 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
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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.
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- FLORIDACENTRAL CREDIT UNIONFloridaCompensation disclosed →
- FAMILY TRUST FCUSouth CarolinaCompensation disclosed →
- ROUNDSTONE MANAGEMENT LTDOhioCompensation disclosed →
Browse more: Pennsylvania employer health plans · Insurance / Financial Services plans in Pennsylvania · all states
Sourced from Form 5500 filings as submitted to the U.S. Department of Labor. Analysis year: 2023; 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.