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Fee Audit Estimator

How much is your broker quietly collecting on top of your premium?

Move the sliders to match your plan. The result is an estimate of the carrier commission embedded in your premium, plus its five-year compound cost at standard premium inflation.

Sources · NAIC commission filings · KFF Employer Health Benefits Survey · Mercer National Survey

Plan inputs

240
$850
85%
Annual hidden commission · estimated$110,160Calculated as 4.5% of the $2,448,000 annual premium.
5-year compounding cost$633,501Assumes 7% annual premium inflation per Mercer national survey.
EEs on a self-funded design+75Additional employees that could be covered with the same dollars under a self-funded design.

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Methodology and assumptions▾

Commission band · We use a 4.5% midpoint of the publicly observed 3–6% commission range when broker model is "Commission" or "I don't know," 2.5% for "Fee + commission," and 0% for "Fee only." Sources: public 5500 schedules and NAIC commission filings.

Premium inflation · 7% annually, matching the Mercer National Survey average over the trailing five years.

Alternative-use comparisons · Self-funded PEPM defaults to $700, consistent with the KFF survey for mid-market self-funded plans. Median specialty pharmacy therapy cost is $80,000 (CVS Caremark and Express Scripts public data, 2023).

These figures are illustrative, not a binding quote. The full audit reconciles your actual 834/837 files against carrier billing.