We are making the following Compensation Disclosure information available in accordance with requirements under ERISA 408(b)(2). Our goal is to disclose to you the plan fiduciary with a detailed statement of our compensation related to providing you and your firm with options for offering health benefits and services to your company and employees. Our services that we provide to you include: Providing health insurance consulting, marketing, quoting, renewal, enrollment and advocacy services all year long.

This Compensation Disclosure is being provided in advance of the contract or arrangement being entered into, extended or renewed. Therefore, we are disclosing all the presented options and expect to receive direct compensation for servicing your employee benefit program as follows:

Total Benefit Solutions Inc, does not offer or provide fiduciary services to the plan.

We may use a General Agent for some of the carriers/vendors listed above. The General Agent’s role is to assist brokers in matters including product training, problem resolution, new case and renewal processing and other general client servicing issues. Additionally, the General Agent may assist the broker by providing technology, administrative tools, compliance assistance and the sharing of vendor relationships to assist broker sales and retention efforts. The General Agent compensation is independent of the Broker commission. General Agent compensation is determined solely by the insurance carrier based on the contracted work provided by the General Agency on the carrier’s behalf. We also may receive Non-monetary Compensation with a value of more than $250 from some insurance carriers that includes, but is not limited to, meals, tickets, trips, and entertainment. Total Benefit Solutions does not receive, nor expects to receive any Non-Monetary compensation at this time

The indirect compensation we may expect for servicing your employee benefit program varies depending upon many factors. Some insurance companies used to obtain coverage may pay additional incentive commissions, (sometimes referred to as contingent, supplemental, or bonus commissions). This compensation may be based on the total volume of business sold, and/or the growth rate of that business. Additionally, it may be tied to a retention rate, claim loss ratio, or other factors based on the entire block of business written through an insurance company over a designated period of time. Such additional commissions, if any, would be in supplemental to any other compensation received. Indirect compensation can vary; for Group Medical, Dental and Vision it is approximately 0% to 7% of premium. Total Benefit Solutions, Inc does not receive any indirect compensation at this time.

  • Current schedule of compensation rates for most plans :
  • Aetna – Medical – Fully Insured Direct Compensation – 1st Year Group Size 1 to 50 Eligible: Southeastern PA $30.00 PEPM; All other regions $19.00 PEPM; Group Size 51 to 100 Eligible: All regions Service Fee Agreement signed by the Client.   Direct Compensation – Renewal Group Size 1 to 50 Eligible: Southeastern PA $30.00 PEPM; All other regions $19.00 PEPM; Group Size 51 to 100 Eligible: All regions Service Fee Agreement signed by the Client.   Aetna – Medical – AFA Direct Compensation – 1st Year Group Size 2 to 100 Eligible: Southeastern PA $37.00 PEPM All Other Regions $24.00 PEPM   Direct Compensation – Renewal Group Size 2 to 100 Eligible: Southeastern PA $37.00 PEPM All Other Regions $24.00 PEPM   Aetna – Dental Direct Compensation – 1st Year Group Size 2-50 Eligible: 9% of Premium plus additional 1% (first year only) if sold with medical policy; Group Size 51-100: 8% of Premium   Direct Compensation – Renewal Group Size 2-50 Eligible: 9% of Premium; Group Size 51-100: 8% of Premium   Aetna – Vision Direct Compensation – 1st Year Group Size 2-99 Eligible: 10% of Premium   Direct Compensation – Renewal Group Size 2-99 Eligible: 10% of Premium  
  • Amerihealth-1st Year Group Size 2-50 Eligible: 4% of Premium
  • Ameritas – Dental Direct Compensation – 1st Year Group Size 2-99 Eligible: Graded 10% of Premium   Direct Compensation – Renewal Group Size 2-99 Eligible: Graded 10% of Premium   Ameritas – Vision Direct Compensation – 1st Year Group Size 2-99 Eligible: Graded 10% of Premium   Direct Compensation – Renewal Group Size 2-99 Eligible: Graded 10% of Premium   Capital Blue Cross – Medical – Fully Insured Direct Compensation – 1st Year Group Size 1 to 104 Eligible: Commission can vary by producer book of business: $24.00 PEPM   Direct Compensation – Renewal Group Size 1 to 104 Eligible: Commission can vary by producer book of business: $24.00 PEPM   Capital Blue Cross – Medical – ASO Direct Compensation – 1st Year Group Size 1 to 104 Eligible: Commission can vary by producer book of business: $24.00 PEPM   Direct Compensation – Renewal Group Size 1 to 104 Eligible: Commission can vary by producer book of business: $24.00 PEPM   Capital Blue Cross – Dental Direct Compensation – 1st Year Group Size 1-104 Eligible: 10% of Premium   Direct Compensation – Renewal Group Size 1-104 Eligible: 10% of Premium   Capital Blue Cross – Vision Direct Compensation – 1st Year Group Size 1-104 Eligible: 4% of Premium   Direct Compensation – Renewal Group Size 1-104 Eligible: 4% of Premium  
  • CIGNA – Medical – Fully Insured Direct Compensation – 1st Year Group size 51+ Eligible: 5% of Premium   Direct Compensation – Renewal Group size 51+ Eligible: 5% of Premium   Cigna – Medical – Level Funding Direct Compensation – 1st Year Group Size 25 – 99 Eligible: 5% of Premium   Direct Compensation – Renewal Group Size 25 – 99 Eligible: 5% of Premium   Cigna – Dental Direct Compensation – 1st Year Group Size 51-99 Eligible: DPPO 7% of Premium; DHMO 10% of Premium   Direct Compensation – Renewal Group Size 51-99 Eligible: DPPO 7% of Premium; DHMO 10% of Premium  
  • Delta Dental Direct Compensation – 1st Year Group Size 2 -99 Eligible: 10% of Premium   Direct Compensation – Renewal Group Size 2 -99 Eligible: 10% of Premium   Dominion Dental Direct Compensation – 1st Year Group Size 2 -99 Eligible: 10% of Premium   Direct Compensation – Renewal Group Size 2 -99 Eligible: 10% of Premium   Equitable – Dental Direct Compensation – 1st Year Group Size 2 -99 Eligible: Graded 10% of Premium   Direct Compensation – Renewal Group Size 2 -99 Eligible: Graded 10% of Premium  
  • Equitable – Vision Direct Compensation – 1st Year Group Size 2-99 Eligible: 10% of Premium   Direct Compensation – Renewal Group Size 2-99 Eligible: 10% of Premium  
  • Eyemed – Vision Direct Compensation – 1st Year Group Size 2-99 Eligible: 10% of Premium   Direct Compensation – Renewal Group Size 2-99 Eligible: 10% of Premium   Franklin Health – Medical – Level Funding Direct Compensation – 1st Year Group Size 25 – 99 Enrolled: $25.00 PEPM   Direct Compensation – Renewal Group Size 25 – 99 Enrolled: $25.00 PEPM  
  • Franklin Health – Medical – Level Funded Direct Compensation – 1st Year Group Size 25 – 99 Enrolled: $25.00 PEPM Direct Compensation – Renewal Group Size 25 – 99 Enrolled: $25.00 PEPM
  • Guardian Life Insurance Co – Dental Direct Compensation – 1st Year Group Size 2 -99 Eligible: Graded 10% of Premium   Direct Compensation – Renewal Group Size 2 -99 Eligible: Graded 10% of Premium   Guardian Life Insurance Co – Vision Direct Compensation – 1st Year Group Size 2-99 Eligible: Graded 10% of Premium   Direct Compensation – Renewal Group Size 2-99 Eligible: Graded 10% of Premium  
  • Geisinger Health Plan – Medical – Fully Insured Direct Compensation – 1st Year Group Size 1 to 99 Eligible: (1st Year with Geisinger) $50.00 PEPM   Direct Compensation – Renewal Group Size 1 to 99 Eligible: (2nd Year with Geisinger) $32.00 PEPM ; (3rd Year with Geisinger) $30.00 PEPM   Geisinger Health Plan – Medical – GFA Direct Compensation – 1st Year Group Size 5 – 99 Eligible: $30.00 PEPM   Direct Compensation – Renewal Group Size 2 – 99 Eligible: $30.00 PEPM  
  • Highmark Blue Cross Blue Shield NEPA – Medical – Fully Insured Direct Compensation – 1st Year Group Size 1 to 99 Eligible: $28.80 PEPM   Direct Compensation – Renewal Group Size 1 to 99 Eligible: $28.80 PEPM   Highmark Blue Cross Blue Shield NEPA – Medical – Balanced Funding Direct Compensation – 1st Year Group Size 15 to 50 Enrolled: $28.80 PEPM   Direct Compensation – Renewal Group Size 15 to 50 Enrolled: $28.80 PEPM   Highmark Blue Cross Blue Shield NEPA – Dental Direct Compensation – 1st Year Group Size 1 – 99 Eligible: 8% of Premium   Direct Compensation – Renewal Group Size 1 – 99 Eligible: 8% of Premium   Highmark Blue Cross Blue Shield NEPA – Vision Direct Compensation – 1st Year Group Size 1-99 Eligible: 4.8% of Premium   Direct Compensation – Renewal Group Size 1-99 Eligible: 4.8% of Premium  
  • Highmark Blue Cross Blue Shield WPA – Medical – Fully Insured Direct Compensation – 1st Year Group Size 1 to 50 Eligible: $19.20 PEPM ; Group Size 51 to 99: $17.60 PEPM   Direct Compensation – Renewal Group Size 1 to 50 Eligible: $19.20 PEPM ; Group Size 51 to 99: $17.60 PEPM   Highmark Blue Cross Blue Shield WPA – Medical – Balanced Funding Direct Compensation – 1st Year Group Size 15 to 50 Enrolled: $19.20 PEPM   Direct Compensation – Renewal Group Size 15 to 50 Enrolled: $19.20 PEPM   Highmark Blue Cross Blue Shield WPA – Dental Direct Compensation – 1st Year Group Size 1 – 99 Eligible: 8% of Premium   Direct Compensation – Renewal Group Size 1 – 99 Eligible: 8% of Premium   Highmark Blue Cross Blue Shield WPA – Vision Direct Compensation – 1st Year Group Size 1-50 Eligible: 3.2% of Premium; Group Size 51-99 Eligible: 2.4% of Premium   Direct Compensation – Renewal Group Size 1-50 Eligible: 3.2% of Premium; Group Size 51-99 Eligible: 2.4% of Premium   Highmark Blue Shield CPA – Medical – Fully Insured Direct Compensation – 1st Year Group Size 1 to 99 Eligible: $24.00 PEPM   Direct Compensation – Renewal Group Size 1 to 99: $24.00 PEPM   Highmark Blue Shield CPA – Medical – Balanced Funding Direct Compensation – 1st Year Group Size 15 to 50 Enrolled: $24.00 PEPM   Direct Compensation – Renewal Group Size 15 to 50 Enrolled: $24.00 PEPM   Highmark Blue Shield CPA – Dental Direct Compensation – 1st Year Group Size 1 – 99 Eligible: 8% of Premium   Direct Compensation – Renewal Group Size 1 – 99 Eligible: 8% of Premium   Highmark Blue Shield CPA – Vision Direct Compensation – 1st Year Group Size 1-99 Eligible: 4% of Premium   Direct Compensation – Renewal Group Size 1-99 Eligible: 4% of Premium  
  • Horizon Blue Cross Blue Shield – Medical – Fully Insured Direct Compensation – 1st Year Group Size 1 – 50 Eligible: 4.10% of Premium; Group Size 51 – 99 Eligible: 4.75% of Premium Direct Compensation – Renewal Group Size 1 – 50 Eligible: 4.10% of Premium; Group Size 51 – 99 Eligible: 5% of Premium changing to 4.75% of Premium effective on February 1, 2022 and will take place upon renewal.
  • Horizon Blue Cross Blue Shield – Medical – Level Select Direct Compensation – 1st Year Group Size 15 – 99 Eligible: 4.10% of Premium; Group Size 51 – 99 Eligible: 4.75% of Premium Direct Compensation – Renewal Group Size 15 – 99 Eligible: 4.10% of Premium; Group Size 51 – 99 Eligible: 4.75% of Premium
  • Horizon Blue Cross Blue Shield – Dental Direct Compensation – 1st Year Group Size 2-50 Eligible: 9.1% of Premium; Group Size 51-99: Graded 10% of Premium Direct Compensation – Renewal Group Size 2-50 Eligible: 9.1% of Premium; Group Size 51-99: Graded 10% of Premium
  • Horizon Blue Cross Blue Shield – Pediatric Dental Direct Compensation – 1st Year Group Size 1 – 50 Eligible: 9.1% of Premium Direct Compensation – Renewal Group Size 1 – 50 Eligible: 9.1% of Premium
  • Horizon Blue Cross Blue Shield – Vision Direct Compensation – 1st Year Group Size 2-99 Eligible: 7% of Premium Direct Compensation – Renewal Group Size 2-99 Eligible: 7% of Premium
  • Humana – Dental Direct Compensation – 1st Year Group Size 2 -99 Eligible: Graded 10% of Premium   Direct Compensation – Renewal Group Size 2 -99 Eligible: Graded 10% of Premium   Humana – Vision Direct Compensation – 1st Year Group Size 2-99 Eligible: Graded 10% of Premium   Direct Compensation – Renewal Group Size 2-99 Eligible: Graded 10% of Premium  
  • Independence Blue Cross – Medical – Fully Insured Direct Compensation – 1st Year Group Size 2 to 99 Eligible: Personal Choice/Keystone Health Plan East $41.00 PEPM; Group Medigap (Medigap Security/Freedom:) $21.83 PEPM ; Personal Choice 65/Keystone 65: $35.00 PEPM ; IBC Part D Select Option: $6.50 PEPM   Direct Compensation – Renewal Group Size 2 to 99 Eligible: Personal Choice/Keystone Health Plan East $41.00 PEPM; Group Medigap (Medigap Security/Freedom:) $10.92 PEPM ; Personal Choice 65/Keystone 65: $12.25 PEPM ; IBC Part D Select Option: $3.08 PEPM   Independence Blue Cross – Dental Rider Direct Compensation – 1st Year Group Size 1 – 50 Eligible: 8% of Premium   Direct Compensation – Renewal Group Size 1 – 50 Eligible: 8% of Premium   Lincoln Financial – Dental Direct Compensation – 1st Year Non Voluntary Group Size 2-99 Eligible: Graded 10% of Premium; Voluntary Group Size 10% or 15% of Premium   Direct Compensation – Renewal Non Voluntary Group Size 2-99 Eligible: Graded 10% of Premium; Voluntary Group Size 10% or 15% of Premium   Lincoln Financial – Vision Direct Compensation – 1st Year Group Size 2-99 Eligible: 10% of Premium   Direct Compensation – Renewal Group Size 2-99 Eligible: 10% of Premium   Metropolitan Life – Dental Direct Compensation – 1st Year Group Size 2 -99 Eligible: Graded 10% of Premium   Direct Compensation – Renewal Group Size 2 -99 Eligible: Graded 10% of Premium   Metropolitan Life – Vision Direct Compensation – 1st Year Group Size 2-99 Eligible: 10% of Premium   Direct Compensation – Renewal Group Size 2-99 Eligible: 10% of Premium   Mutual of Omaha – Dental Direct Compensation – 1st Year Group Size 2 -99 Eligible: Graded 10% of Premium   Direct Compensation – Renewal Group Size 2 -99 Eligible: Graded 10% of Premium   Mutual of Omaha – Vision Direct Compensation – 1st Year Group Size 2-99 Eligible: Graded 10% of Premium   Direct Compensation – Renewal Group Size 2-99 Eligible: Graded 10% of Premium   National Vision Administrators Direct Compensation – 1st Year Group Size 2-99 Eligible: 10% of Premium   Direct Compensation – Renewal Group Size 2-99 Eligible: 10% of Premium  
  • Nippon Life Benefits – Dental Direct Compensation – 1st Year Group Size 2-50 Eligible: 10% of Premium; Group Size 51-99: Graded 10% of Premium   Direct Compensation – Renewal Group Size 2-50 Eligible: 10% of Premium; Group Size 51-99: Graded 10% of Premium   Nippon Life Benefits – Vision Direct Compensation – 1st Year Group Size 2-50 Eligible: 10% of Premium; Group Size 51-99: Graded 10% of Premium   Direct Compensation – Renewal Group Size 2-50 Eligible: 10% of Premium; Group Size 51-99: Graded 10% of Premium  
  • Principal – Dental Direct Compensation – 1st Year Group Size 2 -99 Eligible: Graded 10% of Premium   Direct Compensation – Renewal Group Size 2 -99 Eligible: Graded 10% of Premium   Principal – Vision Direct Compensation – 1st Year Group Size 2-99 Eligible: Graded 10% of Premium   Direct Compensation – Renewal Group Size 2-99 Eligible: Graded 10% of Premium  
  • Reliance Standard – Dental Direct Compensation – 1st Year Group Size 2-99 Eligible: Group Dental Graded 12 % of Premium; Smart Choice 10% of Premium   Direct Compensation – Renewal Group Size 2-99 Eligible: Group Dental Graded 12 % of Premium; Smart Choice 10% of Premium   Reliance Standard – Vision Direct Compensation – 1st Year Group Size 10-99 Eligible: Graded 12% of Premium   Direct Compensation – Renewal Group Size 10-99 Eligible: Graded 12% of Premium   Renaissance – Dental Direct Compensation – 1st Year Non Voluntary Group Size 2-99 Eligible: Graded 10% of Premium; Voluntary Group Size 10% of Premium   Direct Compensation – Renewal Non Voluntary Group Size 2-99 Eligible: Graded 10% of Premium; Voluntary Group Size 10% of Premium   Renaissance – Vision Direct Compensation – 1st Year Group Size 2-99 Eligible: Graded 10% of Premium   Direct Compensation – Renewal Group Size 2-99 Eligible: Graded 10% of Premium  
  • SunLife – Dental Direct Compensation – 1st Year Group Size 2 -99 Eligible: Graded 10% of Premium   Direct Compensation – Renewal Group Size 2 -99 Eligible: Graded 10% of Premium   SunLife – Vision Direct Compensation – 1st Year Group Size 2-99 Eligible: Graded 10% of Premium   Direct Compensation – Renewal Group Size 2-99 Eligible: Graded 10% of Premium  
  • The Standard – Dental Direct Compensation – 1st Year Group Size 2 -99 Eligible: Graded 10% of Premium   Direct Compensation – Renewal Group Size 2 -99 Eligible: Graded 10% of Premium   The Standard – Vision Direct Compensation – 1st Year Group Size 2-99 Eligible: Graded 10% of Premium   Direct Compensation – Renewal Group Size 2-99 Eligible: Graded 10% of Premium  
  • UHC – Medical – Fully Insured Direct Compensation – 1st Year Group Size 2 to 99 Eligible: Southeastern PA up to 4 Enrolled: $3.00 PEPM; 5 or more Enrolled: $37.00 PEPM; All other regions Up to 4 Enrolled: $3.00 PEPM; 5 or more Enrolled: $23.00 Group Size 51-99 Eligible: All regions – Requires Billing and Collection Agreement signed by Client   Direct Compensation – Renewal Group Size 2 to 99 Eligible: Southeastern PA up to 4 Enrolled: $3.00 PEPM; 5 or more Enrolled: $32.00 PEPM; All other regions Up to 4 Enrolled: $3.00 PEPM; 5 or more Enrolled: $20.00 Group Size 51-99 Eligible: All regions – Requires Billing and Collection Agreement signed by Client  
  • UHC – Medical – All Savers/Level Funded Direct Compensation – 1st Year Group Size 5 to 99 Eligible: $24.00 PEPM   Direct Compensation – Renewal Group Size 5 to 99 Eligible: $24.00 PEPM   United Healthcare – Dental Direct Compensation – 1st Year Group Size 2-50 Eligible: 10% of Premium; Group Size 51-99 Eligible: Graded 10% of Premium   Direct Compensation – Renewal Group Size 2-50 Eligible: 10% of Premium; Group Size 51-99 Eligible: Graded 10% of Premium   United Healthcare – Vision Direct Compensation – 1st Year Group Size 2-99 Eligible: 10% of Premium   Direct Compensation – Renewal Group Size 2-99 Eligible: 10% of Premium   United Concordia – Dental Direct Compensation – 1st Year Group Size 2-99 Eligible: 10% of Premium   Direct Compensation – Renewal Group Size 2-99 Eligible: 10% of Premium
  • Unum – Dental Direct Compensation – 1st Year Group Size 2-99 Eligible: 10% of Premium   Direct Compensation – Renewal Group Size 2-99 Eligible: 10% of Premium   Unum – Vision Direct Compensation – 1st Year Non Voluntary Group Size 2-99 Eligible: 10% of Premium; Voluntary Group Size 2-99 Eligible: 12% of Premium   Direct Compensation – Renewal Non Voluntary Group Size 2-99 Eligible: 10% of Premium; Voluntary Group Size 2-99 Eligible: 12% of Premium  
  • UPMC – Medical – Fully Insured Direct Compensation – 1st Year Group Size 1 to 99 Eligible: $19.50 PEPM   Direct Compensation – Renewal Group Size 1 to 99 Eligible: $19.50 PEPM   UPMC – Dental Direct Compensation – 1st Year Group Size 2-99 Eligible: 8% of Premium   Direct Compensation – Renewal Group Size 2-99 Eligible: 8% of Premium   UPMC – Vision Direct Compensation – 1st Year Group Size 2-99 Eligible: 3.2% of Premium   Direct Compensation – Renewal Group Size 2-99 Eligible: 3.2% of Premium  
  • UPMC Dental & Vision Direct Compensation – 1st Year Group Size 2-99 Eligible: 7.52% of Premium   Direct Compensation – Renewal Group Size 2-99 Eligible: 7.52% of Premium   Vision Benefit Administrators Direct Compensation – 1st Year Non Voluntary Group Size 2-99 Eligible: Graded 10% of Premium; Voluntary Group Size 2-99 Eligible: 5% of Premium   Direct Compensation – Renewal Non Voluntary Group Size 2-99 Eligible: Graded 10% of Premium; Voluntary Group Size 2-99 Eligible: 5% of Premium  
  • VSP Vision Care Direct Compensation – 1st Year Group Size 2-99 Eligible: Graded 10% of Premium   Direct Compensation – Renewal Group Size 2-99 Eligible: Graded 10% of Premium