American Eagle Outfitters, Inc.
Updated Filing received by DOL
American Eagle Outfitters, Inc., a retail — stores, food, auto, clothing employer in Pittsburgh, Pennsylvania, reported 7,747 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $189,883 in insurance premiums across 11 contracts and $363,163 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received an amended filing on September 8, 2026; the original filing date is not in the public dataset.
Who was paid on American Eagle Outfitters, Inc.'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 Eagle Outfitters, Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Milliman Agency, Inc. · New York, NY | $165,542 | $0 | $165,542 | 4 |
| Willis Towers Watson · Appleton, WI | $38,792 | $9,533 | $48,325 | 4 |
| HDH Group, Inc. (the) · Pittsburgh, PA | $47,750 | $0 | $47,750 | 1 |
| Bene Re LLC · Toledo, OH | $0 | $45,800 | $45,800 | 1 |
| The Millman Agency Ince | $27,972 | $0 | $27,972 | 1 |
| Benefitfocus · Charleston, SC | $0 | $17,274 | $17,274 | 1 |
| HUB International · Cincinnati, OH | $9,500 | $0 | $9,500 | 1 |
| Ringmaster Insurance Agency LLC · Boca Raton, FL | $0 | $1,000 | $1,000 | 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 |
|---|---|---|---|---|
| Triple S Salud, Inc.health, dental, life, prescription drug | 33 | $189,883 | — | — |
| Continental American Insurance Companylife, long-term disability | 7,580 | — | $96,562 | — |
| Delta Dental of Pennsylvaniadental | 7,696 | — | $27,972 | — |
| Delta Dental of Pennsylvaniadental | 839 | — | $1,420 | — |
| Hawaii Medical Service Associationhealth, dental, vision | 22 | — | — | — |
| Kaiser Foundation Health Planhealth, prescription drug, HMO | 169 | — | $83,669 | — |
| Kaiser Foundation Health Plan, Inc.health, prescription drug, HMO | 102 | — | $32,216 | — |
| Reliastar Life Insurance Companystop-loss | 4,808 | — | $1,000 | — |
| Reliastar Life Insurance Companycoverage not coded | 3,247 | — | $120,324 | — |
| Vision Service Planvision | 4,415 | — | — | — |
| Vision Service Planvision | 4,012 | — | — | — |
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 Eagle Outfitters, Inc. 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.
Premium per covered person on medical contracts: $5,754 a year (national median $7,274).
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 | 7,188 | 7,747 | +7.8% |
| Premiums filed | $174,669 | $189,883 | not comparable |
| Broker commissions + fees | $587,000 | $363,163 | −38.1% |
| 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 Eagle Outfitters, Inc. Benefit Plan#502 · amended · insurance, general assets | December 31, 2025 | September 8, 2026 | amended filing; original date not in data | 7,747 |
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 Eagle Outfitters, Inc. pay in health insurance broker commissions in 2025?
American Eagle Outfitters, Inc.'s 2025 Form 5500 reports $363,163 in broker commissions and fees across 11 insurance contracts ($289,556 in commissions, $73,607 in fees), with Milliman Agency, Inc. receiving the largest share.
Is American Eagle Outfitters, Inc.'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 Triple S Salud, Inc., Hawaii Medical Service Association, Kaiser Foundation Health Plan.
How does American Eagle Outfitters, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for American Eagle Outfitters, Inc. 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.