Federal National Mortgage Association
Updated Filing received by DOL
Federal National Mortgage Association, a finance & insurance employer in Washington, District of Columbia, reported 8,844 participants in its health and welfare plans for plan year 2025. Its Form 5500 shows 14 insurance contracts with no premium reported and $272,014 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on July 31, 2026, before the deadline.
Who was paid on Federal National Mortgage Association's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Federal National Mortgage Association filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Willis Towers Watson · New York, NY | $0 | $178,235 | $178,235 | 5 |
| Barens, Kristin Lucille · Jackson, WY | $32,049 | $4,969 | $37,018 | 4 |
| Yarbrough, Kenneth C · Atlanta, GA | $22,287 | $3,496 | $25,783 | 4 |
| Alera Group, Inc. dba · Atlanta, GA | $0 | $9,188 | $9,188 | 4 |
| Mullintbg Insurance Agency Services · El Segundo, CA | $6,614 | $495 | $7,109 | 4 |
| Mullin Barens Sanford Financial · Oxford, CA | $0 | $5,575 | $5,575 | 3 |
| Mullins Barens Sanford Financial · Oxford, CA | $467 | $309 | $776 | 1 |
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 |
|---|---|---|---|---|
| Ace American Insurance Companycoverage not coded | 7,011 | — | — | — |
| Health & Human Resource Centercoverage not coded | 7,339 | — | — | — |
| Aetna Life Insurance Companydental | 1,420 | — | — | — |
| Arag Insurance Companycoverage not coded | 4,448 | — | — | — |
| Hartford Life and Accidentlong-term disability | 7,235 | — | $44,987 | — |
| Kaiser Foundation Health Plan Inc - Californiahealth, HMO | 22 | — | — | — |
| Kaiser Foundation Health Plan of the Mid-Atlantichealth, HMO | 755 | — | — | — |
| Metropolitan Life Insurance Companycoverage not coded | 7,357 | — | $16,226 | — |
| Metropolitan Life Insurance Companylife | 12,846 | — | $117,022 | — |
| Provident Life and Casualty Insurance Companylong-term disability | 10 | — | $2,378 | — |
| Provident Life and Casualty Insurance Companylong-term disability | 11 | — | $1,589 | — |
| Provident Life and Casualty Insurance Companylong-term disability | 537 | — | $88,106 | — |
| Provident Life and Casualty Insurance Companylong-term disability | 2 | — | $1,066 | — |
| Provident Life and Casualty Insurance Companylong-term disability | 3 | — | $640 | — |
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 Federal National Mortgage Association 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 | 8,700 | 8,844 | +1.7% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $262,097 | $272,014 | +3.8% |
| 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 |
|---|---|---|---|---|
| Fannie Mae Flexible Benefits Plan#506 · insurance, general assets | December 31, 2025 | July 31, 2026 | before deadline | 8,844 |
| Health Reimbursement Arrangement Plan for Medicare Eligible Retirees of Fannie Mae#550 · general assets | December 31, 2025 | July 31, 2026 | before deadline | 1,301 |
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 Federal National Mortgage Association pay in health insurance broker commissions in 2025?
Federal National Mortgage Association's 2025 Form 5500 reports $272,014 in broker commissions and fees across 14 insurance contracts ($61,417 in commissions, $210,597 in fees), with Willis Towers Watson receiving the largest share.
Is Federal National Mortgage Association'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 Kaiser Foundation Health Plan Inc - California, Kaiser Foundation Health Plan of the Mid-Atlantic.
How does Federal National Mortgage Association's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Federal National Mortgage Association 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.