National Fuel Gas Company
Updated Filing received by DOL a plan year 2025 filing was received September 22, 2026 for 2 of this employer's 8 plans; this record moves to 2025 when all have arrived
National Fuel Gas Company, a management of companies employer in Williamsville, New York, reported 1,914 participants in its health and welfare plans for plan year 2024. Its Form 5500 shows $50,508 in insurance premiums across 32 contracts and no broker compensation. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on October 2, 2025, within the extension window.
Insurance contracts and carriers
The 24 largest of 32 contracts 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 |
|---|---|---|---|---|
| Highmark Bluecross Blueshield of WNYhealth, dental, vision, prescription drug, stop-loss | 3 | $43,656 | — | — |
| Highmark Bluecross Blueshield of WNYhealth, dental, vision, prescription drug, stop-loss | 2 | $6,852 | — | — |
| Independent Healthhealth | 391 | — | — | — |
| Highmark Bluecross Blueshield of WNYhealth, dental, vision, prescription drug, stop-loss, indemnity | 129 | — | — | — |
| Highmark Bluecross Blueshield of WNYhealth | 294 | — | — | — |
| Independent Healthhealth | 3 | — | — | — |
| Independent Healthhealth | 25 | — | — | — |
| Independent Healthhealth | 194 | — | — | — |
| Metlife Insurance Co.life | 781 | — | — | — |
| Prudential Life Insurance Colife | — | — | — | — |
| Highmark Bluecross Blueshield of WNYhealth | 133 | — | — | — |
| Independent Healthhealth | 7 | — | — | — |
| Independent Healthhealth | 78 | — | — | — |
| Independent Healthhealth | 25 | — | — | — |
| Metlife Insurance Co.life | 334 | — | — | — |
| Prudential Life Insurance Colife | — | — | — | — |
| Highmark Bluecross Blueshield of WNYhealth | 49 | — | — | — |
| Independent Healthhealth | 7 | — | — | — |
| Independent Healthhealth | 17 | — | — | — |
| Metlife Insurance Co.life | 235 | — | — | — |
| Prudential Life Insurance Colife | — | — | — | — |
| Highmark Bluecross Blueshield of WNYhealth | 55 | — | — | — |
| Independent Healthhealth | 6 | — | — | — |
| Independent Healthhealth | 8 | — | — | — |
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 National Fuel Gas Company 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: $10,102 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 | 1,834 | 1,914 | +4.4% |
| Premiums filed | $111,057 | $50,508 | −54.5% |
| Broker commissions + fees | $0 | $0 | — |
| Commission rate | 0.0% | — | — |
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 |
|---|---|---|---|---|
| Group Health Insurance Plan#504 · insurance, general assets | December 31, 2024 | October 2, 2025 | within extension | 1,914 |
| Prescription Drug Plan#503 · general assets | December 31, 2024 | October 2, 2025 | within extension | 1,106 |
| National Fuel Gas Distribution Corp. - NY Division Voluntary Employees' Beneficiary Assoc. for Collectively Bargained Employees#515 · insurance, trust | September 30, 2025 | June 30, 2026 | within extension | 815 |
| National Fuel Gas Dist. Corp. - NY Division Voluntary Employees' Beneficiary Assoc. for Non-Collectively Bargained Employees#518 · insurance, trust | September 30, 2025 | June 30, 2026 | within extension | 328 |
| National Fuel Gas Supply Corp. and Penn York Energy Corp. Voluntary Employees' Beneficiary Assoc. for Collectively Bargained Emp.#517 · insurance, trust | September 30, 2025 | June 30, 2026 | within extension | 241 |
| National Fuel Gas Supply Corp. & Penn York Energy Corp. Voluntary Employees' Beneficiary Assoc. for Non-Collectively Bargained Employees#520 · insurance, trust | September 30, 2025 | June 30, 2026 | within extension | 190 |
| National Fuel Gas Distribution Corp. - PA Division Voluntary Employees' Beneficiary Association for Collectively Bargained Employees#516 · insurance, trust | September 30, 2025 | June 30, 2026 | within extension | 184 |
| National Fuel Gas Distribution Corp. - PA Division Voluntary Employees' Beneficiary Association for Non-Collectively Bargained Employees#519 · insurance, trust | September 30, 2025 | June 30, 2026 | within extension | 153 |
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 National Fuel Gas Company pay in health insurance broker commissions in 2024?
National Fuel Gas Company'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 National Fuel Gas Company'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 Highmark Bluecross Blueshield of WNY, Independent Health.
How does National Fuel Gas Company's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for National Fuel Gas Company because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 1,000-4,999 participants that disclosed broker pay reported a median of $168,579.
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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.