LIBERTY MARITIME SERVICES CORPORATION

EIN 82-2546708 · NY · Transportation & Logistics

Compensation disclosed2 brokers of record on fileAs reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Benchmarked against: Transportation & Logistics · 101–500 employees · same industry, regional · n=20 employers (your plan plus 19 peers)

Your exact in-state peer group was below the 10-plan minimum, so the comparison broadens to same industry, regional within Transportation & Logistics.

101

(latest)

Fully insured

Funding

$210,366

Broker pay, employer-paid lines (2025)

$173.57

99th pct vs peers · n=20

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

Broker pay as a share of insured premium: 18.4% (peer median 4.3%, the highest disclosed broker pay among 19 comparable plans (your plan plus 18 peers)).

Without the 7 low-disclosure peers, this plan is the highest disclosed broker pay among 13 comparable plans (your plan plus 12 peers).

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

21.0%

Peer median 3.8%

Above peer range

Life

10.0%

Peer median 12.6%

Within peer range

Long-term disability

15.0%

Peer median 13.1%

Within peer range

Short-term disability

15.0%

Peer median 11.3%

Within peer range

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.

Where the $210,366 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 / 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

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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
Medicalfiled as “Health”	Cigna Health and Life Insurance Company	21.0%	med 3.8%	Above peer range
Life · contract GLCL0CMD7	Companion Life Insurance CompanyPlan 501 · 101 lives · Life	10.0%	med 12.6%	Within peer range
Long-term disability	Mutual of Omaha Insurance Company	15.0%	med 13.1%	Within peer range
Short-term disability	Mutual of Omaha Insurance Company	15.0%	med 11.3%	Within peer range
Life · contract GCEL0CMD7	Companion Life Insurance CompanyPlan 501 · 44 lives · Life	15.0%	med 16.1%	Within 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
Dental + Vision	Cigna Health and Life Insurance CompanyPlan 501	5.7%	Bundled; no single-line peer

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

Life — Mutual of Omaha Insurance Company — Premium under $10,000 is too small to compare
Life — Mutual of Omaha Insurance Company — Premium under $10,000 is too small to compare

How the peer group for each line was built

Medical: n=946 contracts, Northeast, 1-100 covered lives
Life: n=1,226 contracts, Northeast, 101-500 covered lives
Long-term disability: n=736 contracts, Northeast, 101-500 covered lives
Short-term disability: n=541 contracts, Northeast, 101-500 covered lives
Life: n=334 contracts, Northeast, 1-100 covered lives

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

Everything in this table is from the 2025 filing. These 8 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.

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 501LIBERTY MARITIME SERVICES CORPORATION WELFARE BENEFITS PLAN101 participants (2025)

HealthDentalLife insuranceShort-term disabilityLong-term disabilityApprenticeship / trainingFully 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 setup2 brokers across benefit lines

Most

Peer benchmarkTransportation & Logisticsn=20 · regional peers

Is this your company?

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How do similar employers compare?

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

Browse more: New York employer health plans · Transportation & Logistics plans in New York · all states

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

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