CIRCULAR SERVICES

EIN 88-4021573 · NY · Other

Compensation disclosed4 brokers of record on fileAs reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Benchmarked against: Other · 501–2,500 employees · same industry, in-state · n=18 employers (your plan plus 17 peers)

570

(latest)

Fully insured

Funding

$208,297

Broker pay, employer-paid lines (2025)

$30.45

2nd highest of 18 comparable plans (your plan plus 17 peers)

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

Broker pay as a share of insured premium: 2.0% (peer median 3.8%, 16th highest of 18 comparable plans (your plan plus 17 peers)).

Without the 3 low-disclosure peers, this plan is 2nd highest of 15 comparable plans (your plan plus 14 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 $208,297 benchmarked for 2025 · Voluntary $8,621 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

<0.1%

Peer median 2.4%

No commission on this contract

Short-term disability

20.5%

Peer median 7.0%

Above peer range

Dental

3.0%

Peer median 3.8%

Within peer range

Life

20.3%

Peer median 8.3%

Above peer range

Long-term disability

20.3%

Peer median 6.4%

Above peer range

Vision

4.1%

Peer median 7.3%

Within peer range

Voluntary / worksite

25.2%

Peer median 16.7%

Above 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.

Where the $216,918 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 / trainingSeveranceOther

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	<0.1%	med 2.4%	No commission on this contract
Short-term disability · contract STD 169333	Reliance Standard Life Insurance CompanyPlan 501 · 862 lives · Short-term disability	20.5%	med 7.0%	Above peer range
Dental	Delta Dental of New Jersey, Inc.	3.0%	med 3.8%	Within peer range
Life	Reliance Standard Life Insurance CompanyPlan 501 · 848 lives · Life, Other (AD&D)	20.3%	med 8.3%	Above peer range
Short-term disability · contract TDB151456	Reliance Standard Life Insurance CompanyPlan 501 · 148 lives · Short-term disability	21.1%	med 11.3%	Above peer range
Long-term disability	Reliance Standard Life Insurance Company	20.3%	med 6.4%	Above peer range
Vision	Vision Service Plan	4.1%	med 7.3%	Within peer range
Short-term disability · contract DBL252830	Reliance Standard Life Insurance CompanyPlan 501 · 115 lives · Short-term disability, Other (NY S…	17.0%	med 11.3%	Above peer range
Voluntary / worksite · contract VCI862168	Reliance Standard Life Insurance CompanyPlan 501 · 59 lives · Other (CRITICAL ILLNESS)	25.2%	med 16.7%	Above peer range
Voluntary / worksite · contract VAI862171	Reliance Standard Life Insurance CompanyPlan 501 · 15 lives · Other (ACCIDENT)	25.3%	med 16.7%	Above peer range

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

Life — Reliance Standard Life Insurance Company — Premium under $10,000 is too small to compare

How the peer group for each line was built

Medical: n=305 contracts, Northeast, 501-2500 covered lives
Short-term disability: n=169 contracts, Northeast, 501-2500 covered lives
Dental: n=464 contracts, Northeast, 501-2500 covered lives
Life: n=619 contracts, Northeast, 501-2500 covered lives
Short-term disability: n=541 contracts, Northeast, 101-500 covered lives
Long-term disability: n=343 contracts, Northeast, 501-2500 covered lives
Vision: n=585 contracts, Northeast, 501-2500 covered lives
Voluntary / worksite: n=998 contracts, Northeast, 1-100 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 11 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. 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 501CIRCULAR SERVICES WELFARE BENEFIT PLAN570 participants (2025)

HealthDentalLife insuranceShort-term disabilityLong-term disabilityApprenticeship / trainingSeveranceOtherFully 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 setup4 brokers across benefit lines

Most

Peer benchmarkOthern=18 · state peers

Is this your company?

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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: New York employer health plans · Other 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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