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FARMERS AGENTS GROUP BENEFITS PROGRAM

Formerly FARMERS AGENT GROUP BENEFITS PROGRAM

EIN 95-2575893 · CA · Insurance / Financial Services

Look up on EFAST ↗
Compensation disclosed8 brokers of record, 2021–2025As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.
Employer-paid broker pay2025: $1,299,8272024 · analysis: $1,156,1432023: $1,173,2882022: $1,391,1492021: $1,137,362

Benchmarked against: All industries · 2,501–10,000 employees · all industries at this size, nationwide · n=2,304 employers

Fewer than the minimum (10) insurance / financial services employers of this size had broker pay on file, so the comparison widens to all industries at this size. The 2,304 figure is not insurance / financial services companies — it's every sector at your employee-size band, nationwide.

6,955

(2024)

Fully insured

Funding

$1,156,143

Broker pay, employer-paid lines (2024)

$13.85

2024

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

Broker pay as a share of insured premium: 10.3% (peer median n/a, percentile unavailable).

Showing 2024, 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 2024?

The figures above use 2024, the latest year we can compare with similar employers. A filing for 2025 is on file. Most employers have not filed for 2025 yet, so there is no complete peer group to compare it with. Rows for 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.

Life

6.4%

257 peer contracts — p25 2.3% · median 6.2% · p75 13.1%. This contract: 6.4%.

Peer median 6.2%

Within peer range

Dental

4.1%

79 peer contracts — p25 1.8% · median 3.0% · p75 5.0%. This contract: 4.1%.

Peer median 3.0%

Within peer range

Long-term disability

11.1%

27 peer contracts — p25 1.3% · median 1.8% · p75 4.9%. This contract: 11.1%.

Peer median 1.8%

Above peer range

Vision

6.4%

82 peer contracts — p25 3.5% · median 5.3% · p75 10.0%. This contract: 6.4%.

Peer median 5.3%

Within peer range

Medical

14.6%

903 peer contracts — p25 1.7% · median 3.3% · p75 5.0%. This contract: 14.6%.

Peer median 3.3%

Above peer range

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Where the $1,156,143 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 disabilityApprenticeship / trainingSeverance

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:

The 2025 filing is on file and its figures are shown as filed, but most employers have not filed 2025 yet, so it is not compared with peers. The analysis year is 2024, 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 2024 — the same year as the headline figure and per-participant rate above. The 2025 filing is on file and its figures are shown as filed, but most employers have not filed 2025 yet, so it is not compared with peers.

Benefit lineContractRatevs. peersPosition
LifeMetropolitan Life Insurance Company6.4%257 peer contracts — p25 2.3% · median 6.2% · p75 13.1%. This contract: 6.4%.med 6.2%Within peer range
Dental · contract 0810111Aetna Life Insurance Company4.1%79 peer contracts — p25 1.8% · median 3.0% · p75 5.0%. This contract: 4.1%.med 3.0%Within peer range
Long-term disability · contract 0110031Metropolitan Life Insurance Company11.1%27 peer contracts — p25 1.3% · median 1.8% · p75 4.9%. This contract: 11.1%.med 1.8%Above peer range
Long-term disability · contract 0000156267Provident Life and Accident Insurance CompanyPlan 501 · 770 lives · Long-term disability33.7%343 peer contracts — p25 4.1% · median 10.0% · p75 14.0%. This contract: 33.7%.med 10.0%Above peer range
Vision · contract 0236214Metropolitan Life Insurance CompanyPlan 501 · 5,426 lives · Vision6.4%82 peer contracts — p25 3.5% · median 5.3% · p75 10.0%. This contract: 6.4%.med 5.3%Within peer range
Medical · contract 0244053Metropolitan Life Insurance CompanyPlan 501 · 1,098 lives · Health14.6%903 peer contracts — p25 1.7% · median 3.3% · p75 5.0%. This contract: 14.6%.med 3.3%Above peer range
Vision · contract 0236215Metropolitan Life Insurance CompanyPlan 501 · 434 lives · Vision7.4%2,093 peer contracts — p25 4.8% · median 6.3% · p75 10.0%. This contract: 7.4%.med 6.3%Within peer range
Medical · contract 0244052Metropolitan Life Insurance CompanyPlan 501 · 1,167 lives · Health14.4%903 peer contracts — p25 1.7% · median 3.3% · p75 5.0%. This contract: 14.4%.med 3.3%Above peer range
Long-term disability · contract 0000144735Provident Life and Accident Insurance CompanyPlan 501 · 25 lives · Long-term disability20.5%394 peer contracts — p25 12.1% · median 15.6% · p75 19.7%. This contract: 20.5%.med 15.6%Above peer range
Dental · contract 0142143Safeguard Health Plans, Inc., a California Corp5.4%1,924 peer contracts — p25 4.6% · median 7.0% · p75 10.0%. This contract: 5.4%.med 7.0%Within peer range
Medical · contract 0236217Metropolitan Life Insurance CompanyPlan 501 · 52 lives · Health17.1%4,437 peer contracts — p25 3.6% · median 4.9% · p75 5.4%. This contract: 17.1%.med 4.9%Above peer range
Long-term disability · contract 528376Unum Life Insurance Company of America6.1%394 peer contracts — p25 12.1% · median 15.6% · p75 19.7%. This contract: 6.1%.med 15.6%Below peer range
Medical · contract 0236216Metropolitan Life Insurance CompanyPlan 501 · 263 lives · Health14.1%4,521 peer contracts — p25 3.2% · median 4.7% · p75 5.4%. This contract: 14.1%.med 4.7%Above peer range
2 contracts under $10,000 in premium — listed for completeness, not compared to peers. Show
  • Long-term disability — Provident Life and Accident Insurance Company — Premium under $10,000 is too small to compare
  • Long-term disability — Provident Life and Accident Insurance Company — Premium under $10,000 is too small to compare
How the peer group for each line was built
  • Life: n=257 contracts, West, 2501-10000 covered lives
  • Dental: n=79 contracts, West, 2501-10000 covered lives
  • Long-term disability: n=27 contracts, West, 10001-50000 covered lives
  • Long-term disability: n=343 contracts, West, 501-2500 covered lives
  • Vision: n=82 contracts, West, 2501-10000 covered lives
  • Medical: n=903 contracts, West, 501-2500 covered lives
  • Vision: n=2,093 contracts, West, 101-500 covered lives
  • Long-term disability: n=394 contracts, West, 1-100 covered lives
  • Dental: n=1,924 contracts, West, 101-500 covered lives
  • Medical: n=4,437 contracts, West, 1-100 covered lives
  • Medical: n=4,521 contracts, West, 101-500 covered lives
  • Long-term disability: n=31 contracts, national, 50000+ covered lives

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

Everything in this table is from the 2024 filing. These 15 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.

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 501FARMERS AGENT GROUP BENEFITS PROGRAM6.5K participants (2025)
HealthDentalLife insuranceShort-term disabilityApprenticeship / trainingSeveranceFully insured · 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 continuitySame primary broker
Broker setup5 brokers in 20248 across all years
Most
Peer benchmarkAll Industriesn=2304 · all industries, your size

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How do similar employers compare?

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

Browse more: California employer health plans · Insurance / Financial Services plans in California · all states

Sourced from Form 5500 filings as submitted to the U.S. Department of Labor. Analysis year: 2024; 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.

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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.