AMERICAN AIRLINES, INC. -BENEFITS

Formerly AMERICAN AIRLINES, INC. - HR SERVICES · AMERICAN AIRLINES, INC · AMERICAN AIRLINES, INC.

EIN 13-1502798 · TX · Transportation & Logistics

Compensation disclosed4 brokers of record, 2021–2024As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Employer-paid broker pay2024 · analysis: $648,8962023: $656,3982022: $777,4452021: $654,054

2021: $25,232 shown as filed, excluded as a likely filing error

Benchmarked against: All industries · 50,000+ employees · all industries at this size, nationwide · n=115 employers (your plan plus 114 peers)

Fewer than the minimum (10) transportation & logistics employers of this size had broker pay on file, so the comparison widens to all industries at this size. The 115 figure is not transportation & logistics companies — it's every sector at your employee-size band, nationwide.

112,891

(latest)

Self-fundedSelf-funded (incl. mixed, stop-loss and level-funded).

Funding

$648,896

Broker pay, employer-paid lines (2024)

$0.48

29th pct vs peers · n=115

Lines disclosed: Life · Short-term disability

Broker pay as a share of insured premium: 0.6% (peer median 2.1%, 10th percentile).

Without the 29 low-disclosure peers, this plan is at the 19th percentile of 86 comparable plans (your plan plus 85 peers).

Employer-paid $648,896 benchmarked for 2024 · Voluntary $28,851 shown separately, compared by rate only · $26,453 shown as filed, excluded as a likely filing error

Why excluded?

1 broker compensation line totaling $26,453 on the Form 5500 appears to be filing errors (a commission above 100% of the premium reported on that contract, or pay above $200 per participant per month or $50,000,000 on one line). We verified these amounts against the DOL EFAST publication — they are as filed by the plan sponsor, not an Unbrokered ingest error. Those lines are shown as filed and excluded from peer benchmarks and headline PEPM.

Self-funded medical. This figure is commissions on the insured ancillary lines (life, disability, dental, vision, stop-loss). A self-funded employer's medical advisor is typically paid a fee outside these filings, so total broker pay is usually higher than the figure shown.

Broker commission rate by benefit line

What the broker earns on each insured line, as a share of that line's own premium — not a share of total broker pay, and not what the coverage cost. Peers for these tiles: the tightest available peer cell for each line. Full table below. How the national rates are built.

Life

0.5%

Peer median 1.7%

Within peer range

Short-term disability

0.9%

Peer median 4.5%

Below peer range

Voluntary / worksite

2.1%

Peer median 17.3%

Below peer range

Voluntary / worksite premium is typically paid by employees through payroll deduction, so commission on those lines comes out of employee money rather than company money.

Dental and Vision are not on this filing as their own contracts, so there is no peer rate to show for them.

This page shows what was filed. The report shows what it means.

What the gap is worth — the dollar difference vs. peer median, including a 3-year view
The current structure compared against levels comparable plans actually reported
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Where the $677,747 across all lines goes

Each broker and each benefit line, in dollars

How much broker pay rides inside the premium

Base commission against bonuses and other carrier payments, all funded through premium

Whether this number is drifting

Compensation across every filed year, against the peer median

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Line-item breakdown, multi-year trend, and methodology-backed framing — ready for fiduciary oversight and recordkeeping.

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Benefits covered (latest filing)

HealthDentalLife insuranceShort-term disabilityLong-term disabilitySeveranceOther

From the Form 5500 welfare benefit codes — the authoritative list of what the plan covers, including medical (health).

Disclosure opacity

What this filing doesn't show

This filing discloses no compensation on a health or stop-loss contract for 2024 — the plan's largest lines are absent from the public record. That is typical for self-funded plans, not reassuring: 53% of self-funded health plans with 100+ participants disclose the same — nothing (42K plans reviewed, 2024 filings). How we count this. The compensation still exists — under ERISA Section 408(b)(2), it must be disclosed in writing to the plan fiduciary on request.

Get the 408(b)(2) disclosure request letter — a ready-to-send request for the compensation this filing doesn't show. Free with an employer account.

Broker history

Benefit lines covered by year — broker identity limited on public pages

Medical here is self-funded. The employer pays its own health claims (usually through a TPA), so there's no insurance contract for medical and it never appears on Schedule A. The itemized coverages in this filing are the insured ancillary lines — dental, vision, life, disability. Schedule C captures advisor pay two ways: paid directly from plan assets, or received indirectly from a carrier or vendor in connection with the plan. This plan has no Schedule C on file — so any advisor compensation beyond those ancillary lines isn't captured in this filing.

Year:

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Commission rates by benefit line

Each insured contract on the filing, with the broker's commission as a share of that contract's own premium. Premium is what was paid to the carrier for the coverage; only the commission column is broker pay.

Benefit line	Contract	Rate	vs. peers	Position
Life · contract 29903	Metropolitan Life Insurance CompanyPlan 501 · 92,582 lives · Life	0.5%	med 1.7%	Within peer range
Short-term disability	Metropolitan Life Insurance Company	0.9%	med 4.5%	Below peer range
Life · contract 29900R	Metropolitan Life Insurance CompanyPlan 515 · 26,880 lives · Life	0.1%	med 2.9%	No commission on this contract
Life · contract 29924-G	Metropolitan Life Insurance CompanyPlan 511 · 6,355 lives · Life	0.2%	med 4.5%	No commission on this contract
Life · contract OK0809974	Life Insurance Company of North AmericaPlan 501 · 33,706 lives · Other (AD&D)	1.7%	med 2.9%	Below peer range
Life · contract COA0001312	Life Insurance Company of North AmericaPlan 501 · 55,563 lives · Other (AD&D)	1.7%	med 1.7%	Within peer range
Voluntary / worksite	Life Insurance Company of North AmericaPlan 501 · 18,266 lives · Other (VOLUNTARY PERSONAL ACCIDENT…	2.1%	med 17.3%	Below peer range
Life · contract ABL0613719	Life Insurance Company of North AmericaPlan 501 · 100,166 lives · Other (SPECIAL PURPOSE AD&D)	1.5%	med 1.7%	No commission on this contract
Life · contract 0154575	Metropolitan Life Insurance CompanyPlan 518 · 80 lives · Life	2.2%	med 17.1%	No commission on this contract
Life · contract 0154576	Metropolitan Life Insurance CompanyPlan 518 · 23 lives · Life	2.1%	med 17.1%	No commission on this contract

Bundled and other contracts — no single-line peer comparison

A bundled contract covers two or more lines on one premium (for example Health + Dental). Its effective rate is the commission on the whole premium; it is shown for completeness and never compared with single-line peers, because the mix of lines inside the bundle sets the rate as much as the broker does.

Covers	Contract	Effective rate	vs. peers
Life + Short-term disability	Metropolitan Life Insurance CompanyPlan 501	0.2%	Bundled; no single-line peer
Other benefitLONG TERM CARE	Metropolitan Life Insurance CompanyPlan 501	2.2%	No comparable line
Other benefitLONG TERM CARE	Unum Life Insurance Company of AmericaPlan 517	10.6%	No comparable line

6 contracts under $10,000 in premium — listed for completeness, not compared to peers. Show

Voluntary / worksite — Life Insurance Company of North America — Premium under $10,000 is too small to compare
Life — Life Insurance Company of North America — Premium under $10,000 is too small to compare
Life — Life Insurance Company of North America — Premium under $10,000 is too small to compare
Voluntary / worksite — Life Insurance Company of North America — Premium under $10,000 is too small to compare
Life — Life Insurance Company of North America — Premium under $10,000 is too small to compare
Life — Metropolitan Life Insurance Company — Premium under $10,000 is too small to compare

How the peer group for each line was built

Life: n=19 contracts, Southwest, 50000+ covered lives
Short-term disability: n=56 contracts, national, 10001-50000 covered lives
Life: n=78 contracts, Southwest, 10001-50000 covered lives
Life: n=174 contracts, Southwest, 2501-10000 covered lives
Voluntary / worksite: n=45 contracts, Southwest, 10001-50000 covered lives
Life: n=280 contracts, Southwest, 1-100 covered lives
Life: n=21,607 contracts, national

n = the number of peer contracts in that comparison group.

Everything in this table is from the 2024 filing. These 19 contracts are a subset of the broker compensation disclosed for that year. The remainder sits on contracts with no premium reported or on Schedule C service-provider fees, which carry no contract rate.

Who funds this. Voluntary / worksite premium is typically paid by employees through payroll deduction, so commission on those lines comes out of employee money rather than company money.

Peer comparison here is contract-level: each line is matched to single-line contracts covering a similar number of lives. The geography and size band come from that cell's generated scope label. That is a different group from the plan-level peer set, which compares employers on total broker cost per employee, so the two sample sizes are not expected to agree. The national table on the research page includes every single-line contract on that benefit line. Company pages use the tightest cell with at least 10 contracts — region and size when those exist, otherwise national. The two medians answer different questions, so they are not expected to match. Contracts under $10,000 in premium are listed for completeness, with no rate or peer position. A near-zero rate on a large premium usually means the broker is paid elsewhere (through a bundled contract, a Schedule C fee, or commission on other lines), so no market position is shown for that contract.

Plans on file

Expand a plan to see its insured contracts and year-over-year history — the details someone on the plan can recognize and verify.

PN 522AMERICAN AIRLINES, INC. ONSITE CLINIC HEALTH PLAN113K participants (2024)

HealthSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 4 years on file

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PN 501AMERICAN AIRLINES, INC. HEALTH AND WELFARE PLAN FOR ACTIVE EMPLOYEES98K participants (2024)

HealthDentalLife insuranceShort-term disabilityLong-term disabilitySeveranceOtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 4 years on file

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PN 526AMERICAN AIRLINES PLUS PLAN FOR ACTIVE EMPLOYEES20K participants (2024)

OtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 3 years on file

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PN 527AMERICAN AIRLINES RHRA FOR PLUS PLAN FOR ACTIVE EMPLOYEES15K participants (2024)

OtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 3 years on file

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PN 517AMERICAN AIRLINES, INC. HEALTH BENEFIT PLAN FOR CERTAIN LEGACY EMPLOYEES8.2K participants (2024)

HealthOtherLife insuranceSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 4 years on file

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PN 523AMERICAN AIRLINES, INC. DFW CONNECTEDCARE PLAN4.7K participants (2024)

HealthSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 4 years on file

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PN 503SUPPLEMENTAL MEDICAL PLAN FOR EMPLOYEES OF PARTICIPATING AMERICAN AIRLINES GROUP SUBSIDIARIES0 participants (2024)

HealthSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 4 years on file

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PN 511TWA RETIREE HEALTH AND LIFE BENEFIT PLAN0 participants (2024)

HealthDentalSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 4 years on file

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PN 515AMERICAN AIRLINES, INC.HEALTH AND LIFE PLAN FOR RETIREES0 participants (2024)

HealthDentalSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 4 years on file

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PN 518AMERICAN AIRLINES, INC. GROUP LIFE AND DISABILITY FOR CERTAIN LEGACY EMPLOYEES0 participants (2024)

HealthOtherLife insuranceSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 4 years on file

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PN 525AMERICAN AIRLINES, INC . RETIREE HEALTH REIMBURSEMENT ARRANGEMENT PLAN— participants (2024)

OtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 4 years on file

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Covers = benefits reported on the Form 5500 (welfare benefit codes). Contracts = insured lines itemized on Schedule A; a self-funded medical line never appears there.

At a glance

Primary brokerLimited on public pages

Years on file4

Lead broker continuityFiled brokername changed

Broker setup3 brokers in 20244 across all years

Most

Peer benchmarkAll Industriesn=115 · all industries, your size

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How do similar employers compare?

Employers in the same peer group (Transportation & Logistics, similar size), from public Form 5500 filings. Open one to see what it pays its broker.

Browse more: Texas employer health plans · Transportation & Logistics plans in Texas · all states

Sourced from Form 5500 filings as submitted to the U.S. Department of Labor. Most recent plan year on file: 2024. Dataset refreshed October 7, 2026. Plan years are labeled by the year they begin, so a July 2024 – June 2025 plan year is 2024. Filings may lag 12–18 months behind the current plan year.

Report a data discrepancy

Unbrokered reports data as filed with the DOL. If you believe a figure is incorrect, tell us what it should be. We respond within 2 business days and, where the underlying filing has been amended, update on our next data refresh. We don't remove publicly filed information on request, but we do correct genuine errors.