Unitedhealth Group Incorporated
Updated Filing received by DOL
Unitedhealth Group Incorporated, a professional & technical services employer in Minnetonka, Minnesota, reported 194,014 participants in its health and welfare plans for plan year 2025. Its Form 5500 shows 10 insurance contracts with no premium reported and $367,473 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on September 2, 2026, within the extension window.
Who was paid on Unitedhealth Group Incorporated's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Unitedhealth Group Incorporated filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| American Benefits & Comp Systems · New York, NY | $0 | $345,408 | $345,408 | 1 |
| Mercer · New York, NY | $22,065 | $0 | $22,065 | 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 |
|---|---|---|---|---|
| Ace American Insurance Companycoverage not coded | 188,209 | — | $22,065 | — |
| Health Plan of Nevada/Sierra Health & Lifehealth, prescription drug, HMO | 7,415 | — | — | — |
| Hartford Life and Accidentlong-term disability | 182,315 | — | $345,408 | — |
| Unitedhealthcare Insurance Companyvision | 133,605 | — | — | — |
| Unitedhealthcare Insurance Companylife, indemnity | 182,704 | — | — | — |
| Unitedhealthcare of Californiahealth, prescription drug, HMO | 3,990 | — | — | — |
| Unitedhealthcare Insurance Companyhealth | 1 | — | — | — |
| Metropolitan General Insurance Companycoverage not coded | 26,413 | — | — | — |
| Unitedhealthcare Insurance Companyhealth | 257 | — | — | — |
| Sierra Health & Life Insurance Company, Inccoverage not coded | 855 | — | — | — |
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 Unitedhealth Group Incorporated 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 | 203,215 | 194,014 | −4.5% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $348,772 | $367,473 | +5.4% |
| 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 |
|---|---|---|---|---|
| Uhg Inc. Group Benefits Plan#530 · insurance, general assets | December 31, 2025 | September 2, 2026 | within extension | 194,014 |
| Unitedhealthcare Group Medicare Advantage (PPO) Plan#531 · amended · insurance, general assets | December 31, 2025 | July 30, 2026 | amended filing; original date not in data | 773 |
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 Unitedhealth Group Incorporated pay in health insurance broker commissions in 2025?
Unitedhealth Group Incorporated's 2025 Form 5500 reports $367,473 in broker commissions and fees across 10 insurance contracts ($22,065 in commissions, $345,408 in fees), with American Benefits & Comp Systems receiving the largest share.
Is Unitedhealth Group Incorporated'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 Health Plan of Nevada/Sierra Health & Life, Unitedhealthcare of California, Unitedhealthcare Insurance Company.
How does Unitedhealth Group Incorporated's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Unitedhealth Group Incorporated 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.