A. O. Smith Corporation Group Insurance Plan
Updated Filing received by DOL
A. O. Smith Corporation Group Insurance Plan, a manufacturing — metal, equipment, transportation employer in Milwaukee, Wisconsin, reported 5,366 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 11 insurance contracts with no premium reported and $228,982 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on July 30, 2026, before the deadline.
Who was paid on A. O. Smith Corporation Group Insurance Plan's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract A. O. Smith Corporation Group Insurance Plan filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Willis Towers Watson · Boston, MA | $178,704 | $50,278 | $228,982 | 3 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Where Part I rows added up to more than the contract's Schedule A total, they were scaled down to that total. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Hartford Life and Accidentlife | 2,784 | — | $9,827 | — |
| Hartford Life and Accidentlong-term disability | 5,406 | — | $95,380 | — |
| Hartford Life and Accidentlife | 5,192 | — | $123,775 | — |
| Hartford Life and Accidentlife | 2,868 | — | — | — |
| Hartford Life and Accidentcoverage not coded | 4,956 | — | — | — |
| United Behavioral Health dba Optumcoverage not coded | 4,977 | — | — | — |
| Vision Service Planvision | 3,853 | — | — | — |
| Hartford Life and Accidentcoverage not coded | 4,907 | — | — | — |
| Hartford Life and Accidentcoverage not coded | 2,757 | — | — | — |
| Hartford Life and Accidentcoverage not coded | 4,326 | — | — | — |
| Hartford Life and Accidentcoverage not coded | 4,907 | — | — | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How A. O. Smith Corporation Group Insurance Plan compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 5,282 | 5,366 | +1.6% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $221,528 | $228,982 | +3.4% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| A. O. Smith Corporation Group Insurance Plan#501 · insurance, general assets | December 31, 2025 | July 30, 2026 | before deadline | 5,366 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did A. O. Smith Corporation Group Insurance Plan pay in health insurance broker commissions in 2025?
A. O. Smith Corporation Group Insurance Plan's 2025 Form 5500 reports $228,982 in broker commissions and fees across 11 insurance contracts ($228,982 in commissions, $0 in fees), with Willis Towers Watson receiving the largest share.
Is A. O. Smith Corporation Group Insurance Plan's health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself).
How does A. O. Smith Corporation Group Insurance Plan's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for A. O. Smith Corporation Group Insurance Plan because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 5,000+ participants that disclosed broker pay reported a median of $458,262.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.