EPCOR USA, INC.

EIN 86-0525312 · AZ · Other

Compensation disclosed1 broker of record, 2021–2023As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Employer-paid broker pay2023 · analysis: $224,1362022: $188,1032021: $281,588

Benchmarked against: Other · 501–2,500 employees · same industry, in-state · n=32 employers (your plan plus 31 peers)

538

(latest)

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

Funding

$224,136

Broker pay, employer-paid lines (2023)

$34.72

90th pct vs peers · n=32

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

Broker pay as a share of insured premium: 3.3% (peer median 9.4%, 10th percentile).

Without the 2 low-disclosure peers, this plan is at the 90th percentile of 30 comparable plans (your plan plus 29 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 $224,136 benchmarked for 2023 · Voluntary $2,079 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

0.3%

Peer median 3.7%

No commission on this contract

Short-term disability

15.0%

Peer median 10.9%

Within peer range

Dental

9.8%

Peer median 7.9%

Within peer range

Life

15.0%

Peer median 15.0%

Within peer range

Long-term disability

15.0%

Peer median 10.0%

Within peer range

Vision

9.9%

Peer median 9.9%

Within peer range

Voluntary / worksite

15.0%

Peer median 19.9%

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
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Where the $226,215 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)

HealthDentalLife insuranceShort-term disabilityLong-term disabilityUnemploymentApprenticeship / trainingSeverance

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)	Aetna Life Insurance CompanyPlan 501 · 940 lives · Health, Prescription drug	0.3%	med 3.7%	No commission on this contract
Short-term disability · contract GUG 0AVCZ	United of Omaha Life Insurance CompanyPlan 501 · 538 lives · Short-term disability	15.0%	med 10.9%	Within peer range
Dental	Delta Dental of Arizona	9.8%	med 7.9%	Within peer range
Life (basic)	United of Omaha Life Insurance CompanyPlan 501 · 230 lives · Life	15.0%	med 15.0%	Within peer range
Long-term disability	United of Omaha Life Insurance Company	15.0%	med 10.0%	Within peer range
Medical (basic)	Aetna Life Insurance CompanyPlan 501 · 425 lives · Health	18.5%	med 5.0%	Above peer range
Life (ACCIDENTAL DEATH AND DISMEMBERMENT)	United of Omaha Life Insurance CompanyPlan 501 · 538 lives · Life, Other (ACCIDENTAL DEATH AND …	15.0%	med 12.6%	Within peer range
Vision	Fidelity Security Life Insurance Company	9.9%	med 9.9%	Within peer range
Short-term disability · contract GUC 0AVCZ	United of Omaha Life Insurance CompanyPlan 501 · 141 lives · Short-term disability	10.0%	med 15.0%	Below peer range
Voluntary / worksitefiled as “Other (LEGAL)”	Arag Insurance Company	15.0%	med 19.9%	Within peer range

How the peer group for each line was built

Medical: n=320 contracts, Southwest, 501-2500 covered lives
Short-term disability: n=101 contracts, Southwest, 501-2500 covered lives
Dental: n=309 contracts, Southwest, 501-2500 covered lives
Life: n=935 contracts, Southwest, 101-500 covered lives
Long-term disability: n=189 contracts, Southwest, 501-2500 covered lives
Medical: n=1,488 contracts, Southwest, 101-500 covered lives
Life: n=410 contracts, Southwest, 501-2500 covered lives
Vision: n=432 contracts, Southwest, 501-2500 covered lives
Short-term disability: n=395 contracts, Southwest, 101-500 covered lives
Voluntary / worksite: n=1,075 contracts, Southwest, 101-500 covered lives

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

Everything in this table is from the 2023 filing. These 10 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. 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 501EPCOR WATER (USA) INC. EMPLOYEE BENEFIT PLAN538 participants (2023)

HealthDentalLife insuranceShort-term disabilityLong-term disabilityUnemploymentApprenticeship / trainingSeveranceSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 3 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 file3

Lead broker continuitySame primary broker

Most

Peer benchmarkOthern=32 · state peers

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How do similar employers compare?

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

Browse more: Arizona employer health plans · Other plans in Arizona · 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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