Apple Inc.
Updated Filing received by DOL
Apple Inc., a manufacturing — metal, equipment, transportation employer in Cupertino, California, reported 110,466 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 14 insurance contracts with no premium reported and $1.2M 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 27, 2026, within the extension window.
Who was paid on Apple 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 Apple Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Mercer · Chicago, IL | $571,741 | $649,999 | $1,221,740 | 5 |
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 |
|---|---|---|---|---|
| Aetna Life Insurance Co.health, dental, PPO | 383 | — | — | — |
| Aetna Life Insurance Co.health, PPO | 80 | — | — | — |
| Cigna Health and Life Insurance Companyhealth, dental, vision, prescription drug | 101,108 | — | — | — |
| Ace American Insurance Companycoverage not coded | 101,108 | — | — | — |
| Hawaii Medical Service Associationhealth, prescription drug, PPO | 309 | — | — | — |
| Kaiser Foundation Health Plan Inc.health, prescription drug, HMO | 22,798 | — | — | — |
| Lincoln National Life Insurance Companylong-term disability | 86,130 | — | $771,741 | — |
| Minnesota Life Insurance Companycoverage not coded | 101,294 | — | $26,077 | — |
| Minnesota Life Insurance Companylife | 101,315 | — | $131,688 | — |
| CVS Pharmacy, Inc.prescription drug | 15 | — | — | — |
| Minnesota Life Insurance Companycoverage not coded | 35,747 | — | $35,622 | — |
| Minnesota Life Insurance Companylife | 87,342 | — | $256,612 | — |
| Lyra Health, Inc.coverage not coded | 109,195 | — | — | — |
| Lyra Clinical Associates P.C.coverage not coded | 109,195 | — | — | — |
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 Apple 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.
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 | 122,335 | 110,466 | −9.7% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $1,193,407 | $1,221,740 | +2.4% |
| 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 |
|---|---|---|---|---|
| Apple Inc. Health and Welfare Benefit Plan#510 · insurance, general assets | December 31, 2025 | August 27, 2026 | within extension | 110,466 |
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 Apple Inc. pay in health insurance broker commissions in 2025?
Apple Inc.'s 2025 Form 5500 reports $1,221,740 in broker commissions and fees across 14 insurance contracts ($571,741 in commissions, $649,999 in fees), with Mercer receiving the largest share.
Is Apple 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 Aetna Life Insurance Co., Cigna Health and Life Insurance Company, Hawaii Medical Service Association.
How does Apple Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Apple 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.