American Institutes for Research in the Behavioral Sciences
Updated Filing received by DOL
American Institutes for Research in the Behavioral Sciences, a professional & technical services employer in Arlington, Virginia, reported 1,693 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 12 insurance contracts with no premium reported and $347,553 in broker commissions and fees. The plan is self-funded (the employer pays claims itself, with stop-loss coverage from Aetna Life Insurance Co.). The Department of Labor received the filing on July 24, 2026, before the deadline.
Who was paid on American Institutes for Research in the Behavioral Sciences'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 Institutes for Research in the Behavioral Sciences filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Willis Towers Watson · New York, NY | $290,843 | $16,803 | $307,646 | 11 |
| McCullugh, Christine M · Redmond, WA | $39,907 | $0 | $39,907 | 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 |
|---|---|---|---|---|
| Vision Service Planvision | 1,166 | — | $3,121 | — |
| Life Insurance Company of North Americacoverage not coded | 1,091 | — | $7,164 | — |
| Life Insurance Company of North Americalife | 1,091 | — | $45,681 | — |
| Life Insurance Company of North Americalong-term disability | 1,192 | — | $53,737 | — |
| Kaiser Foundation Health Plan of the Mid-Atlantic StatesHMO | 94 | — | $54,767 | — |
| Kaiser Foundation Health Plan IncHMO | 40 | — | — | — |
| Unum Life Insurance Company of Americacoverage not coded | 1,105 | — | $39,907 | — |
| Legal Resourcescoverage not coded | 196 | — | — | — |
| Aetna Life Insurance Co.stop-loss | 976 | — | $117,771 | — |
| Empathia, Inc.coverage not coded | 1,334 | — | — | — |
| Aetna Life Insurance Companyindemnity | 654 | — | $25,165 | — |
| Kaiser Foundation Health Plan of HawaiiHMO | 1 | — | $240 | — |
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 Institutes for Research in the Behavioral Sciences 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 | 1,605 | 1,693 | +5.5% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $225,237 | $347,553 | +54.3% |
| 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 Institutes for Research Comprehensive Welfare Benefit Plan#506 · insurance, general assets | December 31, 2025 | July 24, 2026 | before deadline | 1,693 |
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 Institutes for Research in the Behavioral Sciences pay in health insurance broker commissions in 2025?
American Institutes for Research in the Behavioral Sciences's 2025 Form 5500 reports $347,553 in broker commissions and fees across 12 insurance contracts ($330,750 in commissions, $16,803 in fees), with Willis Towers Watson receiving the largest share.
Is American Institutes for Research in the Behavioral Sciences's health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself, with stop-loss coverage from Aetna Life Insurance Co.).
How does American Institutes for Research in the Behavioral Sciences's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for American Institutes for Research in the Behavioral Sciences 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.
Send the full findings to your inbox.
A specialist writes up every finding for American Institutes for Research in the Behavioral Sciences with the methodology and public-source citations, in a form you can forward to your CFO or counsel. Tick the box if you also want a 15-minute walkthrough call.
We don't sell your email. By submitting, you agree that BenefitsLedger and its benefits advisory partner, WellthCare, may email or call you about these findings. Opt out anytime by replying. See our privacy policy.
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.