Viscofan USA Inc
Updated Filing received by DOL
Viscofan USA Inc, a manufacturing — food & textile employer in Montgomery, Alabama, reported 324 participants in its health and welfare plans for plan year 2024. Its Form 5500 shows $2.5M in insurance premiums across 7 contracts and $38,086 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 28, 2025, before the deadline.
Who was paid on Viscofan USA 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 Viscofan USA Inc filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Willis Towers Watson · Birmingham, AL | $21,134 | $20 | $21,154 | 2 |
| Amwins Group Benefits LLC · North Kingstown, RI | $13,163 | $0 | $13,163 | 4 |
| Mercer · Chicago, IL | $2,104 | $0 | $2,104 | 4 |
| Web Tpa · Irving, TX | $1,666 | $0 | $1,666 | 2 |
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 |
|---|---|---|---|---|
| Blue Cross Blue Shield of Alabamahealth, dental, vision, prescription drug, PPO | 355 | $2.5M | — | — |
| Transamerica Insurance Cohealth | 8 | — | $5,879 | — |
| Express Scripts, Inc.prescription drug | 7 | — | $1,260 | — |
| Symetra Life Insurance Companylife, long-term disability | 319 | — | $12,531 | — |
| Transamerica Insurance Cohealth | 11 | — | $8,743 | — |
| Express Scripts, Inc.prescription drug | 5 | — | $1,050 | — |
| Symetra Life Insurance Companylife, short-term disability | 156 | — | $8,623 | — |
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 Viscofan USA 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.
Not computable: no insured medical premium on the filing.
Premium per covered person on medical contracts: $7,137 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 | 304 | 324 | +6.6% |
| Premiums filed | $2,703,581 | $2,533,772 | not comparable |
| Broker commissions + fees | $88,834 | $38,086 | −57.1% |
| 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 |
|---|---|---|---|---|
| Viscofan USA Inc - Salaried Employees Benefit Plan#502 · insurance, general assets | December 31, 2024 | July 28, 2025 | before deadline | 324 |
| Viscofan USA Inc-Hourly Employees#501 · insurance, general assets | December 31, 2024 | July 25, 2025 | before deadline | 188 |
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 Viscofan USA Inc pay in health insurance broker commissions in 2024?
Viscofan USA Inc's 2024 Form 5500 reports $38,086 in broker commissions and fees across 7 insurance contracts ($38,066 in commissions, $20 in fees), with Willis Towers Watson receiving the largest share.
Is Viscofan USA 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 Blue Cross Blue Shield of Alabama, Transamerica Insurance Co.
How does Viscofan USA Inc's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Viscofan USA Inc because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 200-499 participants that disclosed broker pay reported a median of $77,013.
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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.