CSX Corporation
Updated Filing received by DOL
CSX Corporation, a transportation — truck & rail employer in Jacksonville, Florida, reported 12,933 participants in its health and welfare plans for plan year 2024. Its Form 5500 lists 10 insurance contracts on Schedule A but reports no premium and no broker compensation on them. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on September 11, 2025, within the extension window.
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 |
|---|---|---|---|---|
| Metropolitan Life Insurance Companylife | 4,699 | — | — | — |
| Metropolitan Life Insurance Companylife | 4,349 | — | — | — |
| Metropolitan Life Insurance Companycoverage not coded | 4,468 | — | — | — |
| Metropolitan Life Insurance Companylife | 6,405 | — | — | — |
| Metropolitan Life Insurance Companycoverage not coded | 8,207 | — | — | — |
| Aetna Life Insurance Co.indemnity | 6,152 | — | — | — |
| Unitedhealthcare Insurance Companyvision | 9,336 | — | — | — |
| Aetna Life Insurance Co.dental | 861 | — | — | — |
| Unitedhealthcare Insurance Companyvision | 9,336 | — | — | — |
| Aetna Life Insurance Co.dental | 861 | — | — | — |
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 CSX Corporation 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
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 12,261 | 12,933 | +5.5% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $30,626 | $0 | — |
| Commission rate | — | — | — |
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 |
|---|---|---|---|---|
| CSX Corporation Group Life, Accident and Voluntary Benefits Plan#503 · insurance | December 31, 2024 | September 11, 2025 | within extension | 12,933 |
| CSX Corporation Medical, Dental, and Vision Plan#504 · insurance, general assets | December 31, 2024 | September 11, 2025 | within extension | 3,149 |
| CSX Health Plan for Certain Active Union Employees#519 · insurance, general assets | December 31, 2024 | September 11, 2025 | within extension | 1,357 |
| CSX Corporation Retired and Disabled Employee Medical, Dental, and Prescription Drug Plan#507 · general assets | December 31, 2024 | September 11, 2025 | within extension | 210 |
| CSX Corporation Cafeteria Benefits Plan#508 · general assets | December 31, 2024 | September 11, 2025 | within extension | 178 |
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 CSX Corporation pay in health insurance broker commissions in 2024?
CSX Corporation's 2024 Form 5500 reports no broker commissions or fees on Schedule A. Self-funded plans often pay consultants directly, which the public filing does not always capture.
Is CSX Corporation's health plan self-funded or fully insured?
The 2024 filing indicates the plan is self-funded (the employer pays claims itself).
How does CSX Corporation's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for CSX Corporation 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.