THE EMPLOYEE BENEFITS COMMITTEE FOUR SEASONS HOTELS LIMITED

EIN 98-0046457 · Hospitality / Food Service

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: $773,7412023: $587,6562022: $489,6642021: $413,033

Benchmarked against: Hospitality / Food Service · 2,501–10,000 employees · same industry, in-state · n=57 employers

5,945

(latest)

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

Funding

$773,741

Broker pay, employer-paid lines (2024)

$10.85

Lines disclosed: Dental · Life · Long-term disability

Broker pay as a share of insured premium: 5.9% (peer median n/a, percentile unavailable).

Employer-paid $773,741 benchmarked for 2024 · Voluntary $321,614 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: national, similar covered lives. Full table below. How the national rates are built.

Medical

3.1%

Peer median 4.1%

Within peer range

Voluntary / worksite

65.4%

Peer median 18.2%

Above peer range

Life

3.9%

Peer median 10.7%

Below peer range

Dental

4.0%

Peer median 7.8%

Below 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.

Vision 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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Where the $1,095,355 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 461674	Blue Cross Blue Shield of Illinois	3.1%	med 4.1%	Within peer range
Medical · contract 011750	Harvard Pilgrim Health CarePlan 503 · 295 lives · Health	1.8%	med 4.1%	Below peer range
Medical · contract 101179	Harvard Pilgrim Health CarePlan 503 · 210 lives · Health	2.6%	med 4.1%	Below peer range
Medical · contract 105037	Harvard Pilgrim Health CarePlan 503 · 188 lives · Health	2.5%	med 4.1%	Below peer range
Medical · contract 162160	Harvard Pilgram Health CarePlan 503 · 114 lives · Health	1.8%	med 4.1%	Below peer range
Medical · contract 012030	Harvard Pilgrim Health CarePlan 503 · 26 lives · Health	1.7%	med 4.6%	Below peer range
Voluntary / worksite · contract CI110056	Cigna Health and Life Insurance CompanyPlan 503 · 2,027 lives · Other (VOLUNTARY CRITICAL ILLNESS)	65.4%	med 18.2%	Above peer range
Voluntary / worksite · contract AI110062	Cigna Health and Life Insurance CompanyPlan 503 · 1,128 lives · Other (ACCIDENTAL INJURY)	60.8%	med 18.2%	Above peer range
Lifefiled as “Other (ACCIDENTAL DEATH AND DISMEM…”	Hartford Life and Accident	3.9%	med 10.7%	Below peer range
Dental	The Guardian Life Insurance Company of America	4.0%	med 7.8%	Below peer range
Medical · contract 162237	Harvard Pilgram Health CarePlan 503 · 4 lives · Health	1.7%	med 4.6%	No commission on this contract

Bundled and other contracts — no single-line peer comparison

A bundled contract covers two or more lines on one premium (for example Health + Dental). Its effective rate is the commission on the whole premium; it is shown for completeness and never compared with single-line peers, because the mix of lines inside the bundle sets the rate as much as the broker does.

Covers	Contract	Effective rate	vs. peers
Life + Long-term disability	Hartford Life and AccidentPlan 503	4.0%	Bundled; no single-line peer
Other benefitHOSPITAL CARE	Cigna Health and Life Insurance CompanyPlan 503	Not comparable	No comparable lineRate is above 40% of premium on a core line, or 100% on a voluntary line
Other benefitPAID FAMILY LEAVE/ WEEKLY DISABILITY FOR…	Hartford Life and AccidentPlan 503	<0.1%	No comparable line

How the peer group for each line was built

Medical: n=15,861 contracts, national, 101-500 covered lives
Medical: n=10,740 contracts, national, 1-100 covered lives
Voluntary / worksite: n=3,931 contracts, national, 501-2500 covered lives
Life: n=4,861 contracts, national, 501-2500 covered lives
Dental: n=9,624 contracts, national, 101-500 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 contracts with no premium reported or on Schedule C service-provider fees, which carry no contract 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. 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 502FOUR SEASONS HOTELS EMPLOYEE BENEFITS PLAN5.9K participants (2024)

HealthSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 4 years on file

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PN 503FOUR SEASONS HOTELS EMPLOYEE ANCILLARY BENEFITS PLAN3.6K 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 setup5 brokers in 20247 across all years

Most

Peer benchmarkHospitality / Food Servicen=57 · state peers

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How do similar employers compare?

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

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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