MARKSTEIN BEVERAGE COMPANY OF SACRAMENTO

EIN 94-2253303 · CA · Other

Compensation disclosed2 brokers of record, 2021–2023As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Employer-paid broker pay2023 · analysis: $20,1892022: $143,7492021: $242,252

Benchmarked against: Other · 501–2,500 employees · same industry, in-state · n=199 employers

507

(latest)

2022 count · 2023 not reported

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

Funding

$20,189

Broker pay, employer-paid lines (2023)

$3.32

Lines disclosed: Dental · Vision · Life

Broker pay as a share of insured premium: 1.7% (peer median n/a, percentile unavailable).

Employer-paid $20,189 benchmarked for 2023 · $52,653 shown as filed, excluded as a likely filing error

Why excluded?

1 broker compensation line totaling $52,653 on the Form 5500 appears to be filing errors (a commission above 100% of the premium reported on that contract, or pay above $200 per participant per month or $50,000,000 on one line). We verified these amounts against the DOL EFAST publication — they are as filed by the plan sponsor, not an Unbrokered ingest error. Those lines are shown as filed and excluded from peer benchmarks and headline PEPM.

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: the tightest available peer cell for each line. Full table below. How the national rates are built.

Medical

7.3%

Peer median 4.9%

Above peer range

Dental

5.9%

Peer median 8.5%

Within peer range

Vision

22.0%

Peer median 9.2%

Above peer range

Life

23.1%

Peer median 13.3%

Above peer range

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 $20,189 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 disability

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)	Kaiser Foundation Health Plan Inc.	7.3%	med 4.9%	Above peer range
Medical (basic)	Cigna Health and Life Insurance Company	1.0%	med 4.9%	Below peer range
Dental	Cigna Health and Life Insurance Company and Affiliates	5.9%	med 8.5%	Within peer range
Vision	EyeMed Vision Care	22.0%	med 9.2%	Above peer range
Life	Standard Insurance Company	23.1%	med 13.3%	Above peer range

How the peer group for each line was built

Medical: n=4,440 contracts, West, 1-100 covered lives
Dental: n=727 contracts, West, 1-100 covered lives
Vision: n=17,780 contracts, national
Life: n=21,395 contracts, national

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

Everything in this table is from the 2023 filing. These 5 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.

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.

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 501MARKSTEIN BEVERAGE COMPANY OF SACRAMENTO WELFARE BENEFITS PLAN0 participants (2023)

HealthDentalLife insuranceShort-term disabilitySelf-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

Broker setup2 brokers across benefit lines

Most

Peer benchmarkOthern=199 · 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: California employer health plans · Other plans in California · 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.

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.