Bayer Corporation C/O HR Operations Department
Updated Filing received by DOL
Bayer Corporation C/O HR Operations Department, a manufacturing — chemical, wood, plastics employer in ST. Louis, Missouri, reported 26,442 participants in its health and welfare plans for plan year 2025. Its Form 5500 shows $1.8M in insurance premiums across 17 contracts and $628,471 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 July 8, 2026, before the deadline.
Who was paid on Bayer Corporation C/O HR Operations Department's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Bayer Corporation C/O HR Operations Department filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Willis Towers Watson · New York, NY | $227,804 | $400,667 | $628,471 | 9 |
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, prescription drug | 209 | $1.8M | $90,805 | 5.0% |
| Kaiser Foundation Health Plan IncHMO | 1,015 | — | $41,111 | — |
| Kaiser Foundation Health Plan IncHMO | 158 | — | $6,595 | — |
| Eyemed Vision Carevision | 30,483 | — | — | — |
| Eyemed Vision Carevision | 283 | — | — | — |
| UPMC Health Optionscoverage not coded | 2,263 | — | $86,544 | — |
| UPMC Health Optionscoverage not coded | 30 | — | $2,615 | — |
| UPMC Health Optionscoverage not coded | 5 | — | $108 | — |
| UPMC Health Optionscoverage not coded | 3 | — | $26 | — |
| Securian Life Insurance Companylife | 35,086 | — | $372,498 | — |
| Securian Life Insurance Companylife | 8,166 | — | $28,169 | — |
| Hawaii Medical Service AssociationHMO, PPO | 676 | — | — | — |
| Kaiser Foundation Health Plan, Inc.health | 145 | — | — | — |
| Aetna Life Insurance Cohealth | 5 | — | — | — |
| Humana Health Benefit Plan of Louisiana, Inc.HMO | 3 | — | — | — |
| Unitedhealthcare of Wisconsin, Inc.prescription drug, HMO | 5 | — | — | — |
| Unitedhealthcare of the Midlands, Inc.prescription drug, HMO | 33 | — | — | — |
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 Bayer Corporation C/O HR Operations Department 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: $8,689 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 | 27,933 | 26,442 | −5.3% |
| Premiums filed | $1,087,112 | $1,816,099 | +67.1% |
| Broker commissions + fees | $575,304 | $628,471 | +9.2% |
| Commission rate | 5.0% | 5.0% | +0.0 pts |
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 |
|---|---|---|---|---|
| Bayer Corporation Welfare Benefits Plan#501 · insurance, general assets | December 31, 2025 | July 8, 2026 | before deadline | 26,442 |
| Bayer Corporation Retiree Medical and Health Reimbursement Account Plan#502 · insurance, general assets | December 31, 2025 | July 8, 2026 | before deadline | 20,741 |
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 Bayer Corporation C/O HR Operations Department pay in health insurance broker commissions in 2025?
Bayer Corporation C/O HR Operations Department's 2025 Form 5500 reports $628,471 in broker commissions and fees across 17 insurance contracts ($227,804 in commissions, $400,667 in fees), with Willis Towers Watson receiving the largest share.
Is Bayer Corporation C/O HR Operations Department'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., Kaiser Foundation Health Plan, Inc., Aetna Life Insurance Co.
How does Bayer Corporation C/O HR Operations Department's broker compensation compare with similar employers?
Bayer Corporation C/O HR Operations Department paid 5.0% of medical premium in commissions and fees. The median for employers with 5,000+ participants is 4.8%, and the median in Missouri is 4.5%. 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.