AIR PRODUCTS & CHEMICALS, INC.
Formerly AIR PRODUCTS AND CHEMICALS, INC.
EIN 23-1274455 · PA · Manufacturing — Light
2021: $2,394 shown as filed, excluded as a likely filing error
Benchmarked against: Manufacturing — Light · 2,501–10,000 employees · same industry, regional · n=23 employers (your plan plus 22 peers)
Your exact in-state peer group was below the 10-plan minimum, so the comparison broadens to same industry, regional within Manufacturing — Light.
5,516
(latest)
Self-fundedSelf-funded (incl. mixed, stop-loss and level-funded).
Funding
$367,377
Broker pay, employer-paid lines (2025)
$5.55
36th pct vs peers · n=23
Lines disclosed: Life · Long-term disability
Broker pay as a share of insured premium: 6.8% (peer median 5.8%, 64th percentile).
Without the 1 low-disclosure peer, this plan is at the 33rd percentile of 22 comparable plans (your plan plus 21 peers).
Per-participant and share-of-premium comparisons differ because your plan insures fewer lines than most peers. The line-by-line rates below are the most direct comparison.
Employer-paid $367,377 benchmarked for 2025 · Voluntary $587,681 shown separately, compared by rate only
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: same region, similar covered lives. Full table below. How the national rates are built.
Life
6.9%
Peer median 6.8%
Within peer rangeLong-term disability
6.7%
Peer median 5.1%
Within peer rangeVoluntary / worksite
11.2%
Peer median 16.8%
Below peer rangeVoluntary / 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.
Where the $955,058 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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Benefits covered (latest filing)
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 2025 — 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.
Broker identity on this page is limited for public viewers. Sign in with your work email or share your plan basics for the full breakdown on your company.
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 |
|---|---|---|---|---|
| Lifefiled as “Life, Other (AD&D/ VOL. AD&D/ VOL.…” | Hartford Life and Accident | 6.9% | med 6.8% | Within peer range |
| Long-term disability | Reliance Standard Life Insurance Company | 6.7% | med 5.1% | Within peer range |
| Voluntary / worksite ($0 premium) | American Heritage Life Insurance CompanyPlan 527 · 694 lives · Life | 11.2% | med 16.8% | Below peer range |
| Voluntary / worksite ($0 premium)multi-product: accident + critical illness | American Heritage Life Insurance CompanyPlan 527 · 1,730 lives · Other (ACCIDENT/ CRITICAL ILLNESS) | 24.4% | med 16.8% | Above peer range |
| Voluntary / worksite ($0 premium) | American Heritage Life Insurance CompanyPlan 527 · 1,363 lives · Other (HOSPITAL INDEMNITY) | 18.7% | med 16.8% | Within peer range |
| Voluntary / worksite ($0 premium) | MetLife Legal Plans | 11.4% | med 16.8% | Within peer range |
| Voluntary / worksite ($0 premium) | Genomic Life | 24.0% | med 16.8% | Above peer range |
How the peer group for each line was built
- Life: n=171 contracts, Northeast, 2501-10000 covered lives
- Long-term disability: n=77 contracts, Northeast, 2501-10000 covered lives
- Voluntary / worksite: n=459 contracts, Northeast, 501-2500 covered lives
n = the number of peer contracts in that comparison group.
Everything in this table is from the 2025 filing. These 7 contracts are a subset of the broker compensation disclosed for that year. The remainder sits on bundled multi-line contracts, contracts with no premium reported, or Schedule C service-provider fees, none of which carry a comparable single-line 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. A rate on bundled multi-line premium is not comparable to a single-line rate, so bundled contracts are never given a peer position.
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 501AIR PRODUCTS AND CHEMICALS, INC. LONG TERM DISABILITY PLAN6.4K participants (2021)Long-term disabilityApprenticeship / trainingFully insured
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PN 527AIR PRODUCTS AND CHEMICALS, INC. HEALTH AND WELFARE BENEFIT PLAN5.5K participants (2025)HealthDentalLife insuranceShort-term disabilityApprenticeship / trainingUnemploymentSeveranceOtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded).
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PN 509AIR PRODUCTS AND CHEMICALS, INC. PERMANENT LIFE WITH LTC PLAN0 participants (2024)DentalFully insured · 2 years on file
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PN 506AIR PRODUCTS AND CHEMICALS, INC. DENTAL PLAN0 participants (2024)Life insuranceSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 4 years on file
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PN 510AIR PRODUCTS VISION PLAN0 participants (2024)Short-term disabilityFully insured · 4 years on file
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PN 521AIR PRODUCTS MEDICAL PLAN0 participants (2024)HealthOtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 4 years on file
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PN 505AIR PRODUCTS AND CHEMICALS, INC. GROUP INSURANCE PLAN0 participants (2024)DentalSeveranceFully insured · 4 years on file
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PN 508AIR PRODUCTS AND CHEMICALS, INC. HOSPITAL INDEMNITY PLAN0 participants (2024)OtherFully insured · 7 years on file
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PN 512AIR PRODUCTS AND CHEMICALS, INC. VOLUNTARY CANCER PLAN0 participants (2024)OtherFully insured · 4 years on file
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PN 511AIR PRODUCTS AND CHEMICALS, INC. VOLUNTARY IDENTITY THEFT PLAN0 participants (2024)OtherFully insured · 5 years on file
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PN 507AIR PRODUCTS AND CHEMICALS, INC. ACCIDENT AND CRITICAL ILLNESS PLAN0 participants (2024)OtherFully insured · 7 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
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How do similar employers compare?
Employers in the same peer group (Manufacturing — Light, similar size), from public Form 5500 filings. Open one to see what it pays its broker.
- CENTRAL STATES JOINT BOARD HEALTH & WELFARE TRUST FUNDIllinoisCompensation disclosed →
- MILLIKEN & COMPANYSouth CarolinaCompensation disclosed →
- SHAMROCK FOODS COMPANYArizonaCompensation disclosed →
- APOGEE ENTERPRISES, INC. C/O TRACY THOMPSONMinnesotaCompensation disclosed →
- TAYLOR CORPORATIONMinnesotaCompensation disclosed →
Browse more: Pennsylvania employer health plans · Manufacturing — Light plans in Pennsylvania · all states
Sourced from Form 5500 filings as submitted to the U.S. Department of Labor. Most recent plan year on file: 2025. 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.
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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.