BUILDING MATERIAL DISTRIBUTORS, INC.

Formerly BUILDING MATERIALS DISTRIBUTORS, INC.

EIN 95-3926637 · CA · Other

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: $189,4612023: $245,4902022: $235,6532021: $193,430

Benchmarked against: Other · 501–2,500 employees · same industry, in-state · n=203 employers (your plan plus 202 peers)

820

(latest)

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

Funding

$189,461

Broker pay, employer-paid lines (2024)

$19.25

62nd pct vs peers · n=203

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

Broker pay as a share of insured premium: 2.9% (peer median 5.4%, 19th percentile).

Without the 36 low-disclosure peers, this plan is at the 55th percentile of 167 comparable plans (your plan plus 166 peers).

Per-participant and share-of-premium comparisons differ because your plan insures more lines than most peers. The line-by-line rates below are the most direct comparison.

Employer-paid $189,461 benchmarked for 2024 · Voluntary $18,578 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

0.9%

Peer median 3.3%

Below peer range

Dental

10.7%

Peer median 5.0%

Above peer range

Voluntary / worksite

16.8%

Peer median 17.6%

Within peer range

Short-term disability

16.9%

Peer median 12.7%

Above peer range

Long-term disability

17.3%

Peer median 13.2%

Above peer range

Vision

4.5%

Peer median 6.3%

Below peer range

Life

16.9%

Peer median 11.0%

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.

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 $208,039 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 W0001296	California Physicians' Service	0.9%	med 3.3%	Below peer range
Medical · contract 600761	Kaiser Foundation Health Plan, Inc.Plan 501 · 149 lives · Health, Prescription drug	3.2%	med 4.7%	Within peer range
Dental	Metropolitan Life Insurance Company	10.7%	med 5.0%	Above peer range
Medical · contract 230076	Kaiser Foundation Health Plan, Inc.Plan 501 · 35 lives · Health, Prescription drug	3.3%	med 4.9%	Below peer range
Voluntary / worksitefiled as “Life, Other (VOLUNTARY ACCIDENTAL …”	United of Omaha Life Insurance Company	16.8%	med 17.6%	Within peer range
Short-term disability · contract GUC 0BNPB	United of Omaha Life Insurance CompanyPlan 501 · 249 lives · Short-term disability	16.9%	med 12.7%	Above peer range
Long-term disability · contract GUPR0BNPB	United of Omaha Life Insurance CompanyPlan 501 · 180 lives · Long-term disability	17.3%	med 13.2%	Above peer range
Vision	Vision Service Plan	4.5%	med 6.3%	Below peer range
Lifefiled as “Life, Other (ACCIDENTAL DEATH & DI…”	United of Omaha Life Insurance Company	16.9%	med 11.0%	Above peer range
Long-term disability · contract GLTD0BNPB	United of Omaha Life Insurance CompanyPlan 501 · 261 lives · Long-term disability	17.0%	med 13.2%	Above peer range
Short-term disability · contract GUG 0BNPB	United of Omaha Life Insurance CompanyPlan 501 · 91 lives · Short-term disability	14.3%	med 15.2%	Within peer range

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
Medical: n=4,437 contracts, West, 1-100 covered lives
Voluntary / worksite: n=1,904 contracts, West, 101-500 covered lives
Short-term disability: n=581 contracts, West, 101-500 covered lives
Long-term disability: n=1,011 contracts, West, 101-500 covered lives
Vision: n=2,093 contracts, West, 101-500 covered lives
Life: n=949 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 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 501BUILDING MATERIAL DISTRIBUTORS HEALTH AND WELFARE PLAN820 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 continuityFiled brokername changed

Broker setup4 brokers across benefit lines

Most

Peer benchmarkOthern=203 · state peers

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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: 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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