Spirit Airlines, LLC
Updated Filing received by DOL
Spirit Airlines, LLC, a transportation — truck & rail employer in Dania Beach, Florida, reported 10,087 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $246,770 in insurance premiums across 14 contracts and $1.3M in broker commissions and fees, 5.0% 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 August 21, 2026, within the extension window.
Who was paid on Spirit Airlines, LLC's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Spirit Airlines, LLC filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Willis Towers Watson · New York, NY | $858,434 | $360,258 | $1,218,692 | 19 |
| Reuben Warner Associates, Inc. · Staten Island, NY | $0 | $65,237 | $65,237 | 2 |
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 |
|---|---|---|---|---|
| Triple S Salud, Inchealth, dental, prescription drug | 34 | $246,770 | $12,228 | 5.0% |
| Vision Service Planvision | 7,530 | — | — | — |
| Zurich American Insurance Companycoverage not coded | 7,786 | — | $24,412 | — |
| Unum Life Insurance Company of Americalife, long-term disability | 18,209 | — | $438,431 | — |
| Aetna Life Insurance Co.dental | 415 | — | — | — |
| Aetna Life Insurance Co.dental | 2 | — | — | — |
| Aetna Life Insurance Co.dental | 6 | — | — | — |
| Aetna Life Insurance Co.dental | 1,307 | — | — | — |
| Unum Life Insurance Company of Americacoverage not coded | 769 | — | $11,247 | — |
| Unum Life Insurance Company of Americalong-term disability | 2,129 | — | $363,293 | — |
| Continental American Insurance Companycoverage not coded | 4,166 | — | $304,370 | — |
| Unitedhealthcare Insurance Companystop-loss | 8,145 | — | — | — |
| Zurich American Insurance Companycoverage not coded | 7,786 | — | $62,571 | — |
| Arag Insurance Companycoverage not coded | 3,138 | — | $67,377 | — |
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 Spirit Airlines, LLC 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: $7,258 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
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 14,639 | 10,087 | −31.1% |
| Premiums filed | $280,791 | $246,770 | −12.1% |
| Broker commissions + fees | $1,272,325 | $1,283,929 | +0.9% |
| Commission rate | 5.0% | 5.0% | −0.0 pts |
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 |
|---|---|---|---|---|
| Spirit Airlines, LLC Health and Welfare Benefits Plan#507 · insurance, general assets | December 31, 2025 | August 21, 2026 | within extension | 10,087 |
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 Spirit Airlines, LLC pay in health insurance broker commissions in 2025?
Spirit Airlines, LLC's 2025 Form 5500 reports $1,283,929 in broker commissions and fees across 14 insurance contracts ($858,434 in commissions, $425,495 in fees), with Willis Towers Watson receiving the largest share.
Is Spirit Airlines, LLC'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 Triple S Salud, Inc.
How does Spirit Airlines, LLC's broker compensation compare with similar employers?
Spirit Airlines, LLC paid 5.0% of medical premium in commissions and fees. The median for employers with 5,000+ participants is 4.8%, and the median in Florida is 4.6%. 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.