American Sugar Refining, Inc.
Updated Filing received by DOL a plan year 2025 filing was received June 26, 2026 for 1 of this employer's 2 plans; this record moves to 2025 when all have arrived
American Sugar Refining, Inc., a manufacturing — food & textile employer in Yonkers, New York, reported 1,569 participants in its health and welfare plans for plan year 2024. Its Form 5500 shows $4.6M in insurance premiums across 11 contracts and $457,659 in broker commissions and fees, 5.0% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on May 19, 2025, before the deadline.
Who was paid on American Sugar Refining, 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 Sugar Refining, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Willis Towers Watson · Boston, MA | $250,354 | $0 | $250,354 | 6 |
| AssuredPartners · Lafayette, LA | $130,874 | $45,927 | $176,801 | 4 |
| Gis Benefits · Morris, IL | $0 | $12,299 | $12,299 | 1 |
| Marsh McLennan Agency · King of Prussia, PA | $0 | $10,142 | $10,142 | 3 |
| Southern Natl MKTG Co · Baton Rouge, LA | $0 | $8,112 | $8,112 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "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 |
|---|---|---|---|---|
| Blue Cross and Blue Shield of Louisianahealth, prescription drug, HMO, PPO | 561 | $3.4M | $159,042 | 4.6% |
| Blue Cross Blue Shield of Floridahealth, prescription drug | 59 | $623,764 | $37,426 | 6.0% |
| Health Options, Inchealth, prescription drug, HMO | 65 | $551,419 | $33,085 | 6.0% |
| Eyemed Vision Care on Behalf of Fidelity Security Life Insurance Co.vision | 2,194 | — | $14,460 | — |
| Principal Life Insurance Companylife, short-term disability, long-term disability | 1,408 | — | $140,500 | — |
| Zurich American Insurance Companycoverage not coded | 88 | — | $4,047 | — |
| Delta Dental Insurance Companydental | 2,304 | — | — | — |
| Principal Life Insurance Companylife, short-term disability, long-term disability | 201 | — | $20,836 | — |
| Hartford Life and Accidentlife | 447 | — | $4,092 | — |
| Ameritas Life Insurance Companydental, vision | 596 | — | $4,565 | — |
| Equitable Financial Life Insurance Company of Americadental, vision, life, PPO | 477 | — | $39,606 | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How American Sugar Refining, 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.
Premium per covered person on medical contracts: $6,744 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
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 1,395 | 1,569 | +12.5% |
| Premiums filed | $3,483,593 | $4,619,378 | +32.6% |
| Broker commissions + fees | $364,423 | $457,659 | +25.6% |
| Commission rate | — | 5.0% | — |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
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 Sugar Refining Health and Welfare Plan#510 · insurance, general assets | December 31, 2024 | May 19, 2025 | before deadline | 1,569 |
| Domino Sugar Corp and Local 1101 United Food and Commercial Workers Union Health & Welfare Trust Employee Benefits Plan#501 · insurance, trust | January 31, 2025 | November 13, 2025 | within extension | 422 |
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 Sugar Refining, Inc. pay in health insurance broker commissions in 2024?
American Sugar Refining, Inc.'s 2024 Form 5500 reports $457,659 in broker commissions and fees across 11 insurance contracts ($381,179 in commissions, $76,480 in fees), with Willis Towers Watson receiving the largest share.
Is American Sugar Refining, Inc.'s health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Blue Cross and Blue Shield of Louisiana, Blue Cross Blue Shield of Florida, Health Options, Inc.
How does American Sugar Refining, Inc.'s broker compensation compare with similar employers?
American Sugar Refining, Inc. paid 5.0% of medical premium in commissions and fees. The median for employers with 1,000-4,999 participants is 2.0%, and the median in New York is 3.7%. Percentages are computed only on fully insured medical contracts with filed premiums.
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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.