PUBLIC HEALTH FOUNDATION ENTERPRISES, INC.

EIN 95-2557063 · CA · Nonprofit / Association

Compensation disclosed4 brokers of record, 2021–2024As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Employer-paid broker pay2024 · analysis: $586,6742023: $713,6252022: $744,6052021: $691,592

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

1,909

(latest)

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

Funding

$586,674

Broker pay, employer-paid lines (2024)

$25.61

9th highest of 18 comparable plans (your plan plus 17 peers)

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

Broker pay as a share of insured premium: 3.9% (peer median 3.9%, 9th highest of 17 comparable plans (your plan plus 16 peers)).

Without the 5 low-disclosure peers, this plan is 9th highest of 13 comparable plans (your plan plus 12 peers).

Employer-paid $586,674 benchmarked for 2024 · Voluntary $196,942 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

3.0%

Peer median 3.3%

Within peer range

Dental

9.0%

Peer median 5.0%

Within peer range

Voluntary / worksite

26.6%

Peer median 17.9%

Above peer range

Short-term disability

30.0%

Peer median 12.7%

Above peer range

Vision

9.9%

Peer median 5.3%

Within peer range

Long-term disability

15.0%

Peer median 10.0%

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

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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Broker Compensation Benchmark Report

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Where the $783,616 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
Medical · contract 928077	United Healthcare Insurance Company	3.0%	med 3.3%	Within peer range
Medical · contract 122090	Kaiser Foundation Health Plan IncPlan 501 · 1,149 lives · Health	3.0%	med 3.3%	Within peer range
Medical · contract 35113	Kaiser Foundation Health Plan IncPlan 501 · 396 lives · Health, Prescription drug	2.6%	med 4.7%	Below peer range
Dental · contract 21343	Delta Dental of CaliforniaPlan 501 · 1,368 lives · Dental	9.0%	med 5.0%	Within peer range
Voluntary / worksite · contract FLX0970389	Life Insurance Company of North AmericaPlan 501 · 1,707 lives · Life, Other (VOLUNTARY LIFE)	26.6%	med 17.9%	Above peer range
Short-term disability · contract VDT0963548	Life Insurance Company of North AmericaPlan 501 · 434 lives · Short-term disability	30.0%	med 12.7%	Above peer range
Dental · contract 79465	Delta Dental of CaliforniaPlan 501 · 1,093 lives · Dental	10.0%	med 5.0%	Above peer range
Voluntary / worksite · contract GUDE0BWLK	United of Omaha Life Insurance CompanyPlan 501 · 455 lives · Other (CRITICAL ILLNESS VOLUNTARY)	32.8%	med 17.6%	Above peer range
Vision	EyeMed Vision Care	9.9%	med 5.3%	Within peer range
Voluntary / worksite · contract GUDH0BWLK	United of Omaha Life Insurance CompanyPlan 501 · 475 lives · Other (ACCIDENT ONLY VOLUNTARY)	33.0%	med 17.6%	Above peer range
Long-term disability	Life Insurance Company of North America	15.0%	med 10.0%	Above peer range
Short-term disability · contract LK 0753027	Life Insurance Company of North AmericaPlan 501 · 60 lives · Short-term disability	10.0%	med 15.2%	Below peer range
Voluntary / worksite · contract OK 0971752	Life Insurance Company of North AmericaPlan 501 · 1,707 lives · Other (VOLUNTARY AD&D)	10.0%	med 17.9%	Below peer range

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

Short-term disability — Life Insurance Company of North America — Premium under $10,000 is too small to compare

How the peer group for each line was built

Medical: n=903 contracts, West, 501-2500 covered lives
Medical: n=4,521 contracts, West, 101-500 covered lives
Dental: n=579 contracts, West, 501-2500 covered lives
Voluntary / worksite: n=653 contracts, West, 501-2500 covered lives
Short-term disability: n=581 contracts, West, 101-500 covered lives
Voluntary / worksite: n=1,904 contracts, West, 101-500 covered lives
Vision: n=82 contracts, West, 2501-10000 covered lives
Long-term disability: n=343 contracts, West, 501-2500 covered lives
Short-term disability: n=311 contracts, West, 1-100 covered lives

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

Everything in this table is from the 2024 filing. These 14 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.

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 501PUBLIC HEALTH FOUNDATION ENTERPRISES, INC. DBA HELUNA HEALTH WRAP BENEFIT PLAN1.9K participants (2024)

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

Broker setup4 brokers across benefit lines

Most

Peer benchmarkNonprofit / Associationn=18 · 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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