VISTA DEL MAR CHILD AND FAMILY SERVICES

EIN 95-1647832 · CA · Nonprofit / Association

Compensation disclosed7 brokers of record, 2021–2024As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Employer-paid broker pay2024 · analysis: $177,9802023: $208,0242022: $249,5602021: $190,255

Benchmarked against: Nonprofit / Association · 101–500 employees · same industry, in-state · n=23 employers (your plan plus 22 peers)

418

(latest)

Fully insured

Funding

$177,980

Broker pay, employer-paid lines (2024)

$35.48

27th pct vs peers · n=23

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

Broker pay as a share of insured premium: 5.5% (peer median 5.5%, 46th percentile).

Without the 1 low-disclosure peer, this plan is at the 29th percentile of 22 comparable plans (your plan plus 21 peers).

Employer-paid $177,980 benchmarked for 2024 · Voluntary $50,618 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

4.6%

Peer median 4.7%

Within peer range

Dental

9.9%

Peer median 7.0%

Within peer range

Life

17.8%

Peer median 13.7%

Above peer range

Long-term disability

17.8%

Peer median 13.2%

Above peer range

Voluntary / worksite

35.3%

Peer median 17.6%

Above peer range

Short-term disability

17.8%

Peer median 12.7%

Above peer range

Vision

5.0%

Peer median 6.3%

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 $228,598 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 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
Medical · contract 281124	Blue Cross of California	4.6%	med 4.7%	Within peer range
Medical · contract 115158	Kaiser Foundation Health Plan Inc.	4.1%	med 4.7%	Within peer range
Dental	Cigna Health and Life Insurance Company	9.9%	med 7.0%	Within peer range
Lifefiled as “Life, Other (AD&D)”	United of Omaha Life Insurance Company	17.8%	med 13.7%	Above peer range
Long-term disability	United of Omaha Life Insurance Company	17.8%	med 13.2%	Above peer range
Voluntary / worksite · contract GUDE0CK5K	United of Omaha Life Insurance CompanyPlan 501 · 171 lives · Other (CRITICAL ILLNESS VOLUNTARY)	35.3%	med 17.6%	Above peer range
Short-term disability	United of Omaha Life Insurance Company	17.8%	med 12.7%	Above peer range
Voluntary / worksite · contract GUDH0CK5K	United of Omaha Life Insurance CompanyPlan 501 · 195 lives · Other (ACCIDENT ONLY VOLUNTARY)	44.4%	med 17.6%	Above peer range
Voluntary / worksite · contract GVTL0CK5K	United of Omaha Life Insurance CompanyPlan 501 · 195 lives · Life, Other (LIFE & AD&D VOLUNTARY…	18.2%	med 17.6%	Within peer range
Vision	Vision Service Plan	5.0%	med 6.3%	Within peer range
Voluntary / worksite · contract GUVH0CK5K	United of Omaha Life Insurance CompanyPlan 501 · 165 lives · Other (HOSPITAL INDEM - VOLUNTARY)	23.0%	med 17.6%	Within peer range

How the peer group for each line was built

Medical: n=4,521 contracts, West, 101-500 covered lives
Dental: n=1,924 contracts, West, 101-500 covered lives
Life: n=2,331 contracts, West, 101-500 covered lives
Long-term disability: n=1,011 contracts, West, 101-500 covered lives
Voluntary / worksite: n=1,904 contracts, West, 101-500 covered lives
Short-term disability: n=581 contracts, West, 101-500 covered lives
Vision: n=2,093 contracts, West, 101-500 covered lives

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

Everything in this table is from the 2024 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.

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 501VISTA DEL MAR CHILD AND FAMILY SERVICES WELFARE BENEFITS418 participants (2024)

HealthDentalLife insuranceShort-term disabilityLong-term disabilityApprenticeship / trainingSeveranceOtherFully insured · 4 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 file4

Lead broker continuityFiled brokername changed

Broker setup2 brokers in 20247 across all years

Most

Peer benchmarkNonprofit / Associationn=23 · state peers

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How do similar employers compare?

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

Browse more: California employer health plans · Nonprofit / Association 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: 2024. 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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