Broker Commissions & Bonuses
With B&P, your commissions and bonuses are identical to what you’d receive when working directly with the carrier, and there is no impact on your groups’ rates or your ability to negotiate.
|
Carrier |
Broker Commissions |
Broker Bonuses |
|
|---|---|---|---|
| Aetna | Medical 1-100 | ||
| $0 - $1,000,000 annual premium | 5.0% | ||
| $1,000,001+ annual premium | 1.0% | ||
| Dental | |||
| All | 9.0% | ||
| Sold with Medical | additional 1% | ||
| Anthem Blue Cross | Medical 1-100 | There are no Anthem Blue Cross small group bonuses at this time. |
|
| $0 - $1,000,000 annual premium | 5.0% | ||
| $1,000,001+ annual premium | 0.8% | ||
| Dental Metallic PPO (ER Sponsored & Voluntary) (2-100) | 10.0% | ||
| Dental Net DHMO (2-100) | 10.0% | ||
| Vision (ER Sponsored & Voluntary) (2-100) | 10.0% | ||
| Life, AD&D (2-100) | 15.0% | ||
| STD & LTD (2-100) | 15.0% | ||
| Optional/Voluntary products (10-100) | 15.0% | ||
| CaliforniaChoice | Medical 1-100 enrolled |
5.0% | There are no CaliforniaChoice-specific bonuses at this time. |
| Dental, Life, Vision (Voluntary) | 12.0% | ||
| Chiropractic | 6.5% | ||
| Cigna + Oscar | Medical | 5.0% | |
| ChoiceBuilder | Dental, Life, Vision, Chiropractic | 10.0% | There are no ChoiceBuilder bonus programs at this time. |
|
Covered CA for Small |
Medical, Dental | 5.0% | |
| Delta Dental | Dental, Vision, Personal Protection Plan | 10.0% | |
| Guardian |
Dental: Contributory, Non-Contributory, Voluntary, Managed Dental Care (MDC), Managed Dental Guard (MDG)
Vision: Contributory, Non-Contributory, Voluntary |
|
|
|
First $5,000 of annual premium
|
10.0%
|
||
|
Next $5,000 of annual premium
|
8.25%
|
||
|
Next $15,000 of annual premium
|
6.25%
|
||
|
Next $5,000 of annual premium
|
4.25%
|
||
|
Next $20,000 of annual premium
|
3.25%
|
||
| Next $450,000 of annual premium | 1.5% | ||
| Next $2,000,000 of annual premium | 1.25% | ||
| Excess over $2,500,000 of annual premium | 0.5% | ||
| Dental: First Commonwealth (FCW) | |||
| Managed Dental Care (DHMO) only plans | 10.0% | ||
| For plans with both Managed Dental Care (DHMO) and PPO Benefits | 7.0% | ||
| Life & AD&D | |||
| First $15,000 of annual premium | 10.0% | ||
| Next $10,000 of annual premium | 7.0% | ||
| Next $25,000 of annual premium | 5.0% | ||
| Next $50,000 of annual premium | 1.0% | ||
| Excess over $100,000 of annual premium | 0.5% | ||
| Voluntary Life & AD&D | |||
| All premium | 13.0% | ||
| STD | |||
| First $10,000 of annual premium | 10.0% | ||
| Next $10,000 of annual premium | 7.5% | ||
| Next $10,000 of annual premium | 5.0% | ||
| Next $20,000 of annual premium | 2.5% | ||
| Next $450,000 of annual premium | 1.5% | ||
| Next $2,000,000 of annual premium | 1.0% | ||
| Excess over $2,500,000 of annual premium | 0.5% | ||
| Voluntary STD | |||
| All premium | 13.0% | ||
| LTD | |||
| First $15,000 of annual premium | 15.0% | ||
| Next $5,000 of annual premium | 12.5% | ||
| Next $5,000 of annual premium | 10.0% | ||
| Next $25,000 of annual premium | 5.0% | ||
| Excess over $50,000 of annual premium | 0.5% | ||
| Voluntary LTD | |||
| All premium | 13.0% | ||
| Health Net | Medical 1-100 |
5.0% (all years) | |
| Dental, Life, Vision | 10.0% | ||
| Humana | Dental & Vision | ||
| For the first $10,000 | 10.0% | ||
| For the next $10,000 | 7.5% | ||
| For the next $10,000 | 5.0% | ||
| For the next $20,000 | 2.5% | ||
| Over $50,000 | 1.5% | ||
| Life, AD&D 1-50 | 10.0% | ||
| Life, AD&D 51+ | |||
| For the first $5,000 | 15.0% | ||
| For the first $20,000 | 10.0% | ||
| For the first $25,000 | 7.0% | ||
| For the first $50,000 | 3.0% | ||
| For the first $100,000 | 2.0% | ||
| For the first $200,000 | 1.0% | ||
| Voluntary Life, AD&D | 15.0% | ||
| Kaiser Permanente | Medical 1-100 | ||
| $0 - $1,000,000 annual premium | 5.0% | ||
| $1,000,001+ annual premium | 1.0% | ||
| Dental | |||
| KPIC PPO and fee-for-service | $2.74 PMPM in 2023 ($2.62 PMPM in 2022) | ||
| Dental HMO (DeltaCare) | $1.37 PMPM in 2023 ($1.31 PMPM in 2022) | ||
| MetLife | Dental (HMO & PPO) |
2023 Broker Supplemental Compensation Plan:
|
|
| First $5,000 of annual premium | 10.0% | ||
| Next $5,000 of annual premium | 7.5% | ||
| Next $20,000 of annual premium | 5.0% | ||
| Next $10,000 of annual premium | 3.5% | ||
| Next $10,000 of annual premium | 3.0% | ||
| Next $10,000 of annual premium | 2.0% | ||
| Next $190,000 of annual premium | 1.75% | ||
| Next $250,000 of annual premium | 1.0% | ||
| Next $500,000 of annual premium | 0.5% | ||
| Next $4,000,000 of annual premium | 0.25% | ||
| $5,000,000+ annual premium | 0.1% | ||
| Basic Life, Core Life, Dependent Life, AD&D, STD | |||
| First $5,000 of annual premium | 15.0% | ||
| Next $5,000 of annual premium | 10.0% | ||
| Next $20,000 of annual premium | 5.0% | ||
| Next $10,000 of annual premium | 3.5% | ||
| Next $10,000 of annual premium | 3.0% | ||
| Next $10,000 of annual premium | 2.0% | ||
| Next $190,000 of annual premium | 1.75% | ||
| Next $250,000 of annual premium | 1.0% | ||
| Next $500,000 of annual premium | 0.5% | ||
| Next $4,000,000 of annual premium | 0.25% | ||
| $5,000,000+ annual premium | 0.1% | ||
| Vision | |||
| Safeguard | 10.0% | ||
| VSP | 10.0% | ||
| LTD | |||
| First $15,000 of annual premium | 15.0% | ||
| Next $10,000 of annual premium | 10.0% | ||
| Next $25,000 of annual premium | 5.0% | ||
| Next $200,000 of annual premium | 2.0% | ||
| $250,000+ annual premium | 1.0% | ||
| Buy-Up Life, Enhanced Optional Life, Enhanced / Buy-Up Dependent Life |
15.0% | ||
| Principal | Dental, STD, Group Term Life, Vision | ||
| First $5,000 of annual premium | 10.0% | ||
| Next $5,000 of annual premium | 8.0% | ||
| Next $15,000 of annual premium | 6.0% | ||
| Next $25,000 of annual premium | 4.0% | ||
| Next $100,000 of annual premium | 3.0% | ||
| Next $350,000 of annual premium | 2.5% | ||
| $500,000+ annual premium | 1.6% | ||
| LTD | |||
| First $15,000 of annual premium | 15.0% | ||
| Next $10,000 of annual premium | 10.0% | ||
| Next $25,000 of annual premium | 5.0% | ||
| Next $50,000 of annual premium | 2.0% | ||
| Next $100,000 of annual premium | 1.0% | ||
| Next $300,000 of annual premium | 0.6% | ||
| Next $500,000 of annual premium | 0.3% | ||
| $1,000,000+ annual premium | 0.1% | ||
| Critical Illness | |||
| Year 1 | 30.0% | ||
| Year 2+ | 15.0% | ||
| UnitedHealthcare | Medical 1-100 enrolled | 5.0% (all years) | |
| Dental (HMO & PPO) up to 50 eligible | 10.0% | ||
| Dental (HMO & PPO) 51+ eligible | |||
| First $10,000 of annual premium | 10.0% | ||
| Next $15,000 of annual premium | 7.5% | ||
| Next $15,000 of annual premium | 5.0% | ||
| Next $20,000 of annual premium | 2.5% | ||
| $60,000+ annual premium | 1.5% | ||
| Vision | 10.0% | ||
| Life up to 50 eligible | 10.0% | ||
| Life 51+ eligible | |||
| First $25,000 of annual premium | 10.0% | ||
| Next $25,000 of annual premium | 7.0% | ||
| Next $50,000 of annual premium | 3.0% | ||
| Next $100,000 of annual premium | 2.0% | ||
| $200,000+ annual premium | 1.0% | ||
| STD & LTD | |||
| First $15,000 of annual premium | 15% | ||
| Next $10,000 of annual premium | 10% | ||
| Next $25,000 of annual premium | 5% | ||
| $50,000+ of annual premium | 1% | ||
| VSP | Vision | There are no VSP bonus programs at this time. | |
| First $5,000 of paid premium | 10.0% | ||
| Next $5,000 of paid premium | 5.0% | ||
| Next $10,000 of paid premium | 3.56% | ||
| Next $10,000 of paid premium | 3.0% | ||
| Next $20,000 of paid premium | 2.31% | ||
| Next $200,000 of paid premium | 1.44% | ||
| Next $250,000 of paid premium | 0.73% | ||
| $500,000+ annual premium | 0.35% | ||