ARETUM, LLC

Formerly PANUM TELECOM, LLC

EIN 92-3172305 · MD · Accounting / Consulting

Compensation disclosed4 brokers of record, 2023–2025As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Employer-paid broker pay2025 · analysis: $203,9732023: $4,645

Benchmarked against: Accounting / Consulting · 501–2,500 employees · same industry, regional · n=41 employers (your plan plus 40 peers)

Your exact in-state peer group was below the 10-plan minimum, so the comparison broadens to same industry, regional within Accounting / Consulting.

574

(latest)

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

Funding

$203,973

Broker pay, employer-paid lines (2025)

$29.61

85th pct vs peers · n=41

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

Broker pay as a share of insured premium: 4.5% (peer median 10.6%, 20th percentile).

Without the 2 low-disclosure peers, this plan is at the 84th percentile of 39 comparable plans (your plan plus 38 peers).

Per-participant and share-of-premium comparisons differ because your plan insures a different mix of lines than most peers. The line-by-line rates below are the most direct comparison.

Employer-paid $203,973 benchmarked for 2025 · Voluntary $12,976 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

2.5%

Peer median 3.1%

Within peer range

Vision

14.0%

Peer median 10.0%

Above peer range

Voluntary / worksite

29.4%

Peer median 19.8%

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.

Life is 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.

Dental is not on this filing as its own contract, so there is no peer rate to show for it.

Where the $216,949 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

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
Medicalfiled as “Health, Prescription drug”	UnitedHealthcare Insurance Company	2.5%	med 3.1%	Within peer range
Vision	Vision Service Plan	14.0%	med 10.0%	Above peer range
Voluntary / worksite · contract 0255547	Metropolitan Life Insurance CompanyPlan 501 · 122 lives · Other (HOSPITAL INDEMNITY)	29.4%	med 19.8%	Above peer range
Voluntary / worksite · contract 0255545	Metropolitan Life Insurance CompanyPlan 501 · 172 lives · Other (CRITICAL ILLNESS)	16.8%	med 19.8%	Within peer range
Voluntary / worksite · contract 5386432	Metropolitan Life Insurance CompanyPlan 501 · 224 lives · Other (ACCIDENT)	29.2%	med 19.8%	Above 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
Life + Short-term disability + Long-term disability	Metropolitan Life Insurance CompanyPlan 501	21.3%	Bundled; no single-line peer

How the peer group for each line was built

Medical: n=296 contracts, Southeast, 501-2500 covered lives
Vision: n=1,265 contracts, Southeast, 101-500 covered lives
Voluntary / worksite: n=2,061 contracts, Southeast, 101-500 covered lives

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

Everything in this table is from the 2025 filing. These 6 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.

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.

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 501ARETUM, LLC WELFARE PLAN574 participants (2025)

HealthDentalLife insuranceShort-term disabilityLong-term disabilityApprenticeship / trainingSeveranceOtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 2 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 file2

Lead broker continuitySingle year on file

Broker setup3 brokers in 20254 across all years

Most

Peer benchmarkAccounting / Consultingn=41 · regional peers

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How do similar employers compare?

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

Browse more: Maryland employer health plans · Accounting / Consulting plans in Maryland · 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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