Zurich American Insurance Company
Updated Filing received by DOL
Zurich American Insurance Company, a finance & insurance employer in Schaumburg, Illinois, reported 9,361 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 10 insurance contracts with no premium reported and $428,433 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 3, 2025, within the extension window.
Who was paid on Zurich American Insurance 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 Zurich American Insurance Company filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Willis Towers Watson · New York, NY | $199,356 | $199,194 | $398,550 | 4 |
| Zurich Agency Services Inc · Overland Park, KS | $29,883 | $0 | $29,883 | 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 |
|---|---|---|---|---|
| Aetna Life Insurance Co.dental | 1,748 | — | — | — |
| Vision Service Planvision | 6,783 | — | — | — |
| Zurich American Insurance Companycoverage not coded | 5,588 | — | $29,883 | — |
| Metropolitan Life Insurance Companyhealth | 3,697 | — | $186,813 | — |
| Metropolitan Life Insurance Companyhealth | 6,659 | — | $69,195 | — |
| Metropolitan Life Insurance Companydental | 13,817 | — | — | — |
| United Healthcare Insurance Companyhealth | 11 | — | — | — |
| Lincoln National Life Insurance Companylife | 9,424 | — | $100,497 | — |
| Lincoln National Life Insurance Companylong-term disability | 9,414 | — | $42,045 | — |
| Spring Healthcoverage not coded | 8,998 | — | — | — |
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 Zurich American Insurance 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 | 9,464 | 9,361 | −1.1% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $333,832 | $428,433 | +28.3% |
| 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 |
|---|---|---|---|---|
| Zurich Welfare Plan#501 · insurance, general assets | December 31, 2024 | September 3, 2025 | within extension | 9,361 |
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 Zurich American Insurance Company pay in health insurance broker commissions in 2024?
Zurich American Insurance Company's 2024 Form 5500 reports $428,433 in broker commissions and fees across 10 insurance contracts ($229,239 in commissions, $199,194 in fees), with Willis Towers Watson receiving the largest share.
Is Zurich American Insurance 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 Metropolitan Life Insurance Company, United Healthcare Insurance Company.
How does Zurich American Insurance Company's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Zurich American Insurance 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.