How broker commissions work
PEPM, paid monthly via ACH. Same rate card for every broker.
When you're considering adding a new health benefits offering, understanding the commission structure is fundamental to your business planning. Benefi keeps broker compensation straightforward: per-employee-per-month (PEPM) commissions, paid monthly via ACH, with full transparency through your broker portal.
Commission structure and payment
Benefi pays brokers a flat PEPM rate for every enrolled employee. This structure aligns your success with your clients' growth. As employers add staff or expand coverage, your monthly commission grows proportionally.
Commission basics
- Structure: PEPM (per-employee-per-month)
- Payment method: Monthly ACH deposits
- Payment timing: Consistent monthly date
- Commission types: Both new business and renewals
Your commissions arrive via ACH on the same day each month. No chasing checks, no payment delays. The consistent timing helps you manage cash flow and plan your business operations.
The broker portal shows your real-time commission ledger. You can see exactly what you've earned, which clients generated each commission, and when payments will arrive. No more waiting for quarterly statements or reconciling spreadsheets.
Fair and transparent rate card
Every Benefi broker earns from the same rate card. There's no favoritism, no special deals for larger brokers, and no need to renegotiate your rates annually. This uniform approach creates a level playing field where success depends on your client relationships and service quality, not your negotiating leverage.
Both new business and renewal commissions follow the same PEPM structure. Your initial work bringing a client to Benefi pays off month after month as long as they remain a client. Renewal commissions recognize the ongoing value you provide through client service and relationship management.
Why doesn't Benefi publish specific rates online? This approach prevents competitors from playing pricing games and ensures every broker conversation starts from a position of mutual respect. Your rate card is shared during your introductory call, giving you full visibility into earnings potential before you commit.
Building your Benefi book
The PEPM model rewards brokers who focus on sustainable client relationships. Since commissions flow monthly based on active enrollment, you benefit most from placing Benefi with employers who value the program and maintain stable enrollment.
The broker portal becomes your command center for tracking growth. Watch your monthly recurring revenue build as you add clients. Monitor individual account performance. Export commission data for your own accounting needs. Everything you need to run the Benefi portion of your book lives in one place.
This transparent, technology-forward approach to broker compensation reflects how modern brokers want to work: clear terms, reliable payments, and real-time visibility into your business performance.
Frequently Asked Questions
When exactly do commission payments arrive each month?
Benefi pays broker commissions on the same calendar date each month via ACH deposit. The specific date is confirmed during your broker onboarding process. This consistent timing helps you manage cash flow and plan your business operations without worrying about variable payment schedules.
Do I earn commissions on employees who drop coverage mid-month?
Commission calculations are based on active enrollment. If an employee drops coverage during the month, this affects your PEPM calculation for that billing period. The broker portal shows real-time enrollment changes so you can track how workforce changes impact your monthly commissions.
Can I access historical commission data through the broker portal?
Yes, the broker portal maintains your complete commission history and ledger. You can view past payments, export data for your accounting needs, and track which clients generated specific commission amounts. This eliminates the need to maintain separate spreadsheets or wait for quarterly statements.
What happens to my commissions if a client switches from Essential to Plus?
Plan changes within your existing client base are reflected in your monthly PEPM calculations. The broker portal tracks these changes in real-time, so you can see how plan upgrades or downgrades affect your recurring commission revenue. Both Essential and Plus generate PEPM commissions according to your rate card.
Do I need to submit commission requests or invoices?
No invoicing or commission requests are required. Benefi automatically calculates and pays your PEPM commissions monthly based on active enrollment data. The automated system reduces administrative work and ensures you receive payments without having to track or request them manually.