American Chemical Society
Updated Filing received by DOL
American Chemical Society, a professional & technical services employer in Washington, District of Columbia, reported 1,907 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 11 insurance contracts with no premium reported and $178,573 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on August 3, 2026, within the extension window.
Who was paid on American Chemical Society's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract American Chemical Society filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| NFP · Warrington, PA | $96,095 | $412 | $96,507 | 5 |
| Alterity Group LLC · New York, NY | $0 | $74,839 | $74,839 | 1 |
| Charon Planning Corporation · Warrington, PA | $2,298 | $0 | $2,298 | 1 |
| Van Epps, James, H · Roswell, GA | $1,552 | $99 | $1,651 | 2 |
| Block, Charles D · Willington, NC | $1,534 | $99 | $1,633 | 1 |
| Ringmaster Insurance Agency LLC · Boca Raton, FL | $0 | $1,000 | $1,000 | 1 |
| Img · Indianapolis, IN | $0 | $410 | $410 | 1 |
| Gallagher · Jericho, NY | $196 | $0 | $196 | 2 |
| Lockton · Boston, MA | $21 | $0 | $21 | 1 |
| Charles D Block · Wilmington, NC | $18 | $0 | $18 | 1 |
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. 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 |
|---|---|---|---|---|
| Inova Employee Assistancecoverage not coded | 2,093 | — | — | — |
| Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.health, prescription drug, HMO | 7 | — | — | — |
| Provident Life and Accident Insurance Companycoverage not coded | 58 | — | $6,819 | — |
| Hartford Fire Insurance Companycoverage not coded | — | — | $826 | — |
| Humana Insurance Companyhealth | 1,013 | — | — | — |
| Prudential Insurance Company of Americalife, long-term disability | 1,813 | — | $92,660 | — |
| Reliastar Life Insurance Companystop-loss | 3,926 | — | $75,839 | — |
| Unum Life Insurance Company of Americacoverage not coded | 10 | — | $131 | — |
| Unum Life Insurance Company of Americacoverage not coded | 32 | — | — | — |
| Legal Resourcescoverage not coded | 458 | — | — | — |
| Four Ever Life Ins Co.health | — | — | $2,298 | — |
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 American Chemical Society 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 | 1,896 | 1,907 | +0.6% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $145,168 | $178,573 | +23.0% |
| 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 |
|---|---|---|---|---|
| American Chemical Society Welfare Benefit Plans#503 · insurance, general assets | December 31, 2025 | August 3, 2026 | within extension | 1,907 |
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 American Chemical Society pay in health insurance broker commissions in 2025?
American Chemical Society's 2025 Form 5500 reports $178,573 in broker commissions and fees across 11 insurance contracts ($101,714 in commissions, $76,859 in fees), with NFP receiving the largest share.
Is American Chemical Society's health plan self-funded or fully insured?
The 2025 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc., Humana Insurance Company, Four Ever Life Ins Co..
How does American Chemical Society's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for American Chemical Society because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 1,000-4,999 participants that disclosed broker pay reported a median of $168,579.
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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.