LIFELINE MEDICAL ASSOCIATES, LLC

EIN 94-3283324 · NJ · Physician Group / Medical Practice

Compensation disclosed9 brokers of record, 2021–2025As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Employer-paid broker pay2025: $75,0272024: $236,3112023: $234,5242022: $230,2732021 · analysis: $505,684

Benchmarked against: Physician Group / Medical Practice · 501–2,500 employees · same industry, regional · n=56 employers (your plan plus 55 peers)

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

512

(2021)

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

Funding

$505,684

Broker pay, employer-paid lines (2021)

$82.31

2021 · 99th pct vs peers · n=56

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

Broker pay as a share of insured premium: 11.2% (peer median 5.5%, 78th percentile).

Without the 7 low-disclosure peers, this plan is at the 99th percentile of 49 comparable plans (your plan plus 48 peers).

Employer-paid $505,684 benchmarked for 2021 · Voluntary $3,651 shown separately, compared by rate only · $2,493 shown as filed, excluded as a likely filing error

Why excluded?

1 broker compensation line totaling $2,493 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.

Showing 2021, the latest year with a complete peer group. A 2025 filing is on file and appears in broker history; it is not benchmarked yet.

Why 2021?

The figures above use 2021, the latest year we can compare with similar employers. A filing for 2022–2025 is on file. 2022 shows commissions paid through insurance contracts, and is missing the compensation the plan pays brokers directly that a recent prior year reported. A missing schedule usually means that year's filing is still arriving, so we wait for both before comparing the year with peers. 2023 shows commissions paid through insurance contracts, and is missing the compensation the plan pays brokers directly that a recent prior year reported. A missing schedule usually means that year's filing is still arriving, so we wait for both before comparing the year with peers. 2024 shows commissions paid through insurance contracts, and is missing the compensation the plan pays brokers directly that a recent prior year reported. A missing schedule usually means that year's filing is still arriving, so we wait for both before comparing the year with peers. Only a smaller plan has filed for 2025 so far. The main plan's filing is not in yet, so that year cannot carry the comparison. 2022 broker pay on file so far totals $234,884 across all lines, about 54% less than the $509,335 for 2021. 2023 broker pay on file so far totals $239,403 across all lines, about 53% less than the $509,335 for 2021. 2024 broker pay on file so far totals $245,132 across all lines, about 52% less than the $509,335 for 2021. 2025 broker pay on file so far totals $75,027 across all lines, about 85% less than the $509,335 for 2021. Rows for 2022–2025 stay in the broker history and stay out of the headline and the peer comparison.

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

2.4%

Peer median 3.7%

Below peer range

Long-term disability

24.0%

Peer median 12.9%

Above peer range

Prescription drug (carve-out)

2.4%

Peer median 3.5%

Below peer range

Dental

3.1%

Peer median 5.4%

Below peer range

Life

7.8%

Peer median 8.7%

Within peer range

Short-term disability

24.2%

Peer median 14.0%

Above peer range

Vision

10.0%

Peer median 7.0%

Within peer range

Voluntary / worksite

5.0%

Peer median 15.0%

No commission on this contract

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
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Where the $509,335 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)

Long-term disabilityApprenticeship / training

From the Form 5500 welfare benefit codes — the authoritative list of what the plan covers.

Disclosure opacity

What this filing doesn't show

This filing discloses no compensation on a health or stop-loss contract for 2025 — the plan's largest lines are absent from the public record. That is typical for self-funded plans, not reassuring: 53% of self-funded health plans with 100+ participants disclose the same — nothing (42K plans reviewed, 2024 filings). How we count this. The compensation still exists — under ERISA Section 408(b)(2), it must be disclosed in writing to the plan fiduciary on request.

Get the 408(b)(2) disclosure request letter — a ready-to-send request for the compensation this filing doesn't show. Free with an employer account.

Broker history

Benefit lines covered by year — broker identity limited on public pages

Year:

The 2025 filings on file so far are from smaller plans; the main plan has not filed 2025 yet. The analysis year is 2021, the latest year that is complete and benchmarked.

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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.

Analysis year 2021 — the same year as the headline figure and per-participant rate above. The 2025 filings on file so far are from smaller plans; the main plan has not filed 2025 yet.

Benefit line	Contract	Rate	vs. peers	Position
Medicalfiled as “Health”	Horizon Healthcare Services, Inc.	2.4%	med 3.7%	Below peer range
Long-term disability	Sun Life Assurance Company of Canada	24.0%	med 12.9%	Above peer range
Prescription drug (carve-out)filed as “Prescription drug”	Horizon Healthcare Services, Inc.	2.4%	med 3.5%	Below peer range
Dental ($0 premium)	Horizon Healthcare Services, Inc.	3.1%	med 5.4%	Below peer range
Life	Life Insurance of North America	7.8%	med 8.7%	Within peer range
Short-term disability · contract STD94049	Sun Life Assurance Company of Canada	24.2%	med 14.0%	Above peer range
Vision	Ameritas Life Insurance Corp.	10.0%	med 7.0%	Within peer range
Voluntary / worksite · contract CI-0000000331	The Lincoln National Life Insurance CompanyPlan 501 · 57 lives · Other (CRITICAL ILLNESS)	5.0%	med 15.0%	No commission on this contract
Short-term disability · contract VDT963088	Life Insurance Company of North America	9.5%	med 14.0%	Below peer range
Dental ($0 premium)	Horizon Healthcare Dental, Inc.	3.1%	med 8.0%	No commission on this contract
Voluntary / worksite · contract ACC-0000000330	The Lincoln National Life Insurance CompanyPlan 501 · 101 lives · Other (ACCIDENT)	25.0%	med 15.0%	Above peer range

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

Life — Life Insurance Company of North America — Commission is above 100% of the premium on this contract

How the peer group for each line was built

Medical: n=3,277 contracts, Northeast, 101-500 covered lives
Long-term disability: n=1,338 contracts, Northeast, 101-500 covered lives
Prescription drug (carve-out): n=109 contracts, Northeast, 101-500 covered lives
Dental: n=2,402 contracts, Northeast, 101-500 covered lives
Life: n=1,179 contracts, Northeast, 501-2500 covered lives
Short-term disability: n=365 contracts, Northeast, 1-100 covered lives
Vision: n=856 contracts, Northeast, 501-2500 covered lives
Voluntary / worksite: n=1,154 contracts, Northeast, 1-100 covered lives
Dental: n=606 contracts, Northeast, 1-100 covered lives
Voluntary / worksite: n=1,202 contracts, Northeast, 101-500 covered lives

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

Everything in this table is from the 2021 filing. These 12 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. 2025 is not rated here. Its rows appear in Broker history above as filed — pick 2025 on the year chips there to see them.

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 501LIFELINE MEDICAL ASSOCIATES, LLC FLEXIBLE BENEFIT590 participants (2024)

HealthDentalLife insuranceShort-term disabilityLong-term disabilityUnemploymentSeveranceOtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 4 years on file

Loading contracts…

PN 502LIFELINE MEDICAL ASSOCIATES, LLC DISABILITY PLAN105 participants (2025)

Long-term disabilityApprenticeship / trainingSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 5 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 file5

Lead broker continuityFiled brokername changed

Broker setup9 brokers across benefit lines

Most

Peer benchmarkPhysician Group / Medical Practicen=56 · regional peers

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How do similar employers compare?

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

Browse more: New Jersey employer health plans · Physician Group / Medical Practice plans in New Jersey · all states

Sourced from Form 5500 filings as submitted to the U.S. Department of Labor. Analysis year: 2021; newest plan year with a filing 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.

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.