United Refining Company
Updated Filing received by DOL
United Refining Company, a manufacturing — chemical, wood, plastics employer in Warren, Pennsylvania, reported 2,172 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $95,480 in insurance premiums across 7 contracts and $121,761 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 20, 2026, before the deadline.
Who was paid on United Refining 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 United Refining Company filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Seubert & Associates Inc. · Pittsburgh, PA | $39,472 | $43,011 | $82,483 | 4 |
| Professional Group Plans, Inc. · Hauppauge, NY | $0 | $39,067 | $39,067 | 3 |
| Hubbard Bert Karle Weber Inc. · Erie, PA | $211 | $0 | $211 | 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 |
|---|---|---|---|---|
| Vision Benefits of Americavision | 718 | $81,305 | — | — |
| Vision Benefits of Americavision | 139 | $14,175 | — | — |
| United of Omaha Life Insurance Companylife | 1,701 | — | $62,102 | — |
| United of Omaha Life Insurance Companylong-term disability | 729 | — | $13,375 | — |
| United of Omaha Life Insurance Companylife | 424 | — | $45,668 | — |
| Life Insurance Company of North Americacoverage not coded | — | — | $616 | — |
| Highmark, Inc.health | 444 | — | — | — |
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 United Refining 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
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 2,095 | 2,172 | +3.7% |
| Premiums filed | $99,283 | $95,480 | −3.8% |
| Broker commissions + fees | $117,447 | $121,761 | +3.7% |
| 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 |
|---|---|---|---|---|
| United Refining Company Benefit Plan#501 · insurance, general assets | December 31, 2025 | July 20, 2026 | before deadline | 2,172 |
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 United Refining Company pay in health insurance broker commissions in 2025?
United Refining Company's 2025 Form 5500 reports $121,761 in broker commissions and fees across 7 insurance contracts ($39,683 in commissions, $82,078 in fees), with Seubert & Associates Inc. receiving the largest share.
Is United Refining Company'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 Highmark, Inc..
How does United Refining Company's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for United Refining 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.