Union Pacific Railroad Company
Updated Filing received by DOL a plan year 2025 filing was received August 10, 2026 for 1 of this employer's 3 plans; this record moves to 2025 when all have arrived
Union Pacific Railroad Company, a transportation — truck & rail employer in Omaha, Nebraska, reported 28,059 participants in its health and welfare plans for plan year 2024. Its Form 5500 shows 5 insurance contracts with no premium reported and $112,511 in broker commissions and fees. 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.
Who was paid on Union Pacific Railroad Company's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Union Pacific Railroad Company filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| HUB International · Riverside, CA | $108,231 | $4,250 | $112,481 | 6 |
| Img · Indianapolis, IN | $0 | $30 | $30 | 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 |
|---|---|---|---|---|
| Kaiser Foundation Health Plan Inchealth, HMO | 167 | — | $39,876 | — |
| The Prudential Insurance Company of Americalife, short-term disability, long-term disability | 146 | — | $11,205 | — |
| Aetna Health, Inchealth, HMO | 178 | — | $54,568 | — |
| Premier Access Insurance Companydental | 352 | — | $3,971 | — |
| Ameritas Life Insurance Corpvision | 310 | — | $2,891 | — |
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 Union Pacific Railroad 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.
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 | 28,245 | 28,059 | −0.7% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $115,869 | $112,511 | −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 |
|---|---|---|---|---|
| Union Pacific Railroad Company Off-Track Vehicle Plan#599 · general assets | December 31, 2024 | October 2, 2025 | within extension | 28,059 |
| Union Pacific Railroad Employes Health Systems#501 · trust | December 31, 2024 | July 31, 2025 | before deadline | 25,166 |
| Tcu/Local 938/Union Pacific Railroad Health Fund#600 · insurance | December 31, 2024 | October 8, 2025 | within extension | 143 |
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 Union Pacific Railroad Company pay in health insurance broker commissions in 2024?
Union Pacific Railroad Company's 2024 Form 5500 reports $112,511 in broker commissions and fees across 5 insurance contracts ($108,231 in commissions, $4,280 in fees), with HUB International receiving the largest share.
Is Union Pacific Railroad 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 Kaiser Foundation Health Plan Inc, Aetna Health, Inc.
How does Union Pacific Railroad Company's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Union Pacific Railroad Company 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.