Reynolds American Inc.
Updated Filing received by DOL
Reynolds American Inc., a manufacturing — food & textile employer in Winston-Salem, North Carolina, reported 14,440 participants in its health and welfare plans for plan year 2024. Its Form 5500 shows $174,509 in insurance premiums across 12 contracts and $387,424 in broker commissions and fees, 6.9% 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 October 8, 2025, within the extension window.
Who was paid on Reynolds American 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 Reynolds American Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Gallagher · Chicago, IL | $0 | $332,380 | $332,380 | 4 |
| Aon · Chicago, IL | $12,689 | $11,636 | $24,325 | 5 |
| NFP · New York, NY | $21,214 | $59 | $21,273 | 1 |
| Ikon Benefits Groups Inc. · San Juan, PR | $5,557 | $0 | $5,557 | 1 |
| Ikon Benefits Group Inc. · San Juan, PR | $3,889 | $0 | $3,889 | 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 |
|---|---|---|---|---|
| Triple S Salud, Inc.health, dental, prescription drug, PPO | 10 | $77,782 | $3,889 | 5.0% |
| Triple S Advantagehealth | 43 | $59,160 | $5,557 | 9.4% |
| Metropolitan Life Insurance Companycoverage not coded | 38 | $37,567 | — | — |
| Four Ever Life Insurance Companyhealth, dental, vision, prescription drug | 131 | — | — | — |
| Hawaii Medical Service Associationhealth | 17 | — | — | — |
| Metropolitan Life Insurance Companylife | 13,723 | — | $318,076 | — |
| Metropolitan Life Insurance Companylife | 707 | — | $14,304 | — |
| Metropolitan Life Insurance Companycoverage not coded | 557 | — | $21,273 | — |
| Metropolitan Life Insurance Companyvision | 7,620 | — | $7,007 | — |
| Ace American Insurance Companycoverage not coded | 4,184 | — | — | — |
| Hartford Life and Accidentlong-term disability | 1,236 | — | $17,318 | — |
| Blue Cross and Blue Shield of North Carolinahealth, dental, prescription drug, PPO | 6 | — | — | — |
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 Reynolds American 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.
Premium per covered person on medical contracts: $2,584 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 | 15,186 | 14,440 | −4.9% |
| Premiums filed | $218,400 | $174,509 | −20.1% |
| Broker commissions + fees | $480,846 | $387,424 | −19.4% |
| Commission rate | 7.9% | 6.9% | −1.0 pts |
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 |
|---|---|---|---|---|
| Reynolds American Omnibus Welfare Benefits Plan#501 · insurance, general assets | December 31, 2024 | October 8, 2025 | within extension | 14,440 |
| Reynolds American Omnibus Welfare Benefits Plan for Retirees#516 · insurance, general assets | December 31, 2024 | October 8, 2025 | within extension | 8,430 |
| Reynolds American Medsave Plan#502 · general assets, trust | December 31, 2024 | October 8, 2025 | within extension | 2,360 |
| Brown & Williamson Tobacco Corporation Welfare & Fringe Benefits Plan#508 · trust | December 31, 2024 | October 8, 2025 | within extension | 1,024 |
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 Reynolds American Inc. pay in health insurance broker commissions in 2024?
Reynolds American Inc.'s 2024 Form 5500 reports $387,424 in broker commissions and fees across 12 insurance contracts ($43,349 in commissions, $344,075 in fees), with Gallagher receiving the largest share.
Is Reynolds American 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 Triple S Salud, Inc., Triple S Advantage, Four Ever Life Insurance Company.
How does Reynolds American Inc.'s broker compensation compare with similar employers?
Reynolds American Inc. paid 6.9% of medical premium in commissions and fees. The median for employers with 5,000+ participants is 4.8%, and the median in North Carolina 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.