Ecolab Inc.
Updated Filing received by DOL
Ecolab Inc., a manufacturing — chemical, wood, plastics employer in ST. Paul, Minnesota, reported 19,295 participants in its health and welfare plans for plan year 2024. Its Form 5500 shows $3.6M in insurance premiums across 11 contracts and $741,525 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received an amended filing on December 3, 2025; the original filing date is not in the public dataset.
Who was paid on Ecolab 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 Ecolab Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Willis Towers Watson | $192,581 | $416,830 | $609,411 | 6 |
| Aon | $79,920 | $0 | $79,920 | 3 |
| Hays Companies · Minneapolis, MN | $29,763 | $7,023 | $36,786 | 3 |
| Mercer · Saint Louis, MO | $12,494 | $0 | $12,494 | 1 |
| Wills Towers Watson US LLC · New York, NY | $0 | $2,334 | $2,334 | 1 |
| Watson Wyatt & Company | $0 | $580 | $580 | 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 |
|---|---|---|---|---|
| Vision Service Planvision | 13,343 | $3.0M | $22,844 | 0.8% |
| MCS Life Insurance Companyhealth | 112 | $577,414 | $28,582 | 5.0% |
| Continental American Insurance Companylong-term disability | 20,276 | — | $197,657 | — |
| Cigna Health and Life Insurance Companyhealth, dental, vision | 100 | — | $44,883 | — |
| Delta Dental of Puerto Rico, Inc.dental | 113 | — | $6,455 | — |
| Metlife Legal Planscoverage not coded | 3,338 | — | $37,600 | — |
| Lincoln National Life Insurance Companylong-term disability | — | — | — | — |
| Metropolitan Life Insurance Companydental | 34,835 | — | $215,402 | — |
| National Union Fire Ins. Co. of Pittsburgh, PAcoverage not coded | 18,688 | — | $12,494 | — |
| Prudential Insurance Company of Americalife | 21,084 | — | $171,837 | — |
| Metropolitan Life Insurance Companydental | 517 | — | $3,771 | — |
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 Ecolab 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.
Premium per covered person on medical contracts: $5,155 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 | 18,485 | 19,295 | +4.4% |
| Premiums filed | $588,306 | $3,615,961 | not comparable |
| Broker commissions + fees | $720,509 | $741,525 | +2.9% |
| 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 |
|---|---|---|---|---|
| Ecolab Health and Welfare Benefits Plan#501 · amended · insurance, general assets | December 31, 2024 | December 3, 2025 | amended filing; original date not in data | 19,295 |
| Ecolab Post Retirement Benefits Plan#511 · amended · insurance, general assets | December 31, 2024 | December 3, 2025 | amended filing; original date not in data | 6,880 |
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 Ecolab Inc. pay in health insurance broker commissions in 2024?
Ecolab Inc.'s 2024 Form 5500 reports $741,525 in broker commissions and fees across 11 insurance contracts ($314,758 in commissions, $426,767 in fees), with Willis Towers Watson receiving the largest share.
Is Ecolab 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 MCS Life Insurance Company, Cigna Health and Life Insurance Company.
How does Ecolab Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Ecolab 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.