UNITED AIRLINES, INC.

EIN 74-2099724 · IL · Transportation & Logistics

Compensation disclosed17 brokers of record, 2021–2024As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.

Employer-paid broker pay2024 · analysis: $1,408,7532023: $1,296,8952022: $644,6212021: $586,692

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.

98,473

(latest)

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

Funding

$1,408,753

Broker pay, employer-paid lines (2024)

$1.19

61st pct vs peers · n=115

Lines disclosed: Life · Long-term disability

Broker pay as a share of insured premium: 1.2% (peer median 2.1%, 26th percentile).

Without the 29 low-disclosure peers, this plan is at the 55th percentile of 86 comparable plans (your plan plus 85 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 $1,408,753 benchmarked for 2024 · Voluntary $911,753 shown separately, compared by rate only

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

1.7%

Peer median 2.4%

Below peer range

Voluntary / worksite

3.0%

Peer median 4.3%

Within peer range

Long-term disability

2.5%

Peer median 1.2%

Above peer range

Medical

0.5%

Peer median 4.0%

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 $2,320,506 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 disabilityUnemploymentApprenticeship / trainingScholarshipSeveranceOther

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

Broker history

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

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 0097877	Metropolitan Life Insurance Company	1.7%	med 2.4%	Below peer range
Life · contract 70201	Securian Life Insurance CompanyPlan 540 · 97,707 lives · Life	0.7%	med 2.4%	Below peer range
Voluntary / worksite · contract 7138-1multi-product: accident + critical illness	Reliastar Life Insurance Company	3.0%	med 4.3%	Within peer range
Life · contract 70202	Securian Life Insurance CompanyPlan 540 · 45,387 lives · Life	0.7%	med 2.9%	Below peer range
Long-term disability	Prudential Insurance Company of America	2.5%	med 1.2%	Above peer range
Life · contract 75003	Securian Life Insurance CompanyPlan 540 · 48,269 lives · Life	0.7%	med 2.9%	Below peer range
Voluntary / worksite · contract 9902521	Metropolitan General Insurance Company	11.7%	med 20.0%	Below peer range
Medicalfiled as “Health”	Aetna Life Insurance Co.	0.5%	med 4.0%	Below peer range
Voluntary / worksite · contract C08245	Berkshire Life Insurance Company of America	21.0%	med 19.1%	Within peer range

How the peer group for each line was built

Life: n=26 contracts, Midwest, 50000+ covered lives
Voluntary / worksite: n=26 contracts, national, 50000+ covered lives
Life: n=203 contracts, Midwest, 10001-50000 covered lives
Long-term disability: n=31 contracts, national, 50000+ covered lives
Voluntary / worksite: n=219 contracts, Midwest, 2501-10000 covered lives
Medical: n=1,578 contracts, Midwest, 1-100 covered lives
Voluntary / worksite: n=2,420 contracts, Midwest, 101-500 covered lives

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

Everything in this table is from the 2024 filing. These 9 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 540UNITED AIRLINES CONSOLIDATED WELFARE BENEFIT PLAN98K participants (2024)

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

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PN 550UNITED AIRLINES PILOT RETIREE HEALTH ACCOUNT PLAN18K participants (2024)

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

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PN 553UNITED AIRLINES PILOT HEALTH REIMBURSEMENT ACCOUNT PLAN14K participants (2024)

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

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PN 551UNITED AIRLINES TECHNICIANS HEALTH REIMBURSEMENT ACCOUNT PLAN9.5K participants (2024)

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

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PN 552UNITED AIRLINES TECHNICIANS RETIREE HEALTH ACCOUNT PLAN2.2K participants (2024)

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

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PN 644VSL B VOLUNTARY SEVERANCE PLAN0 participants (2022)

OtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 2 years on file

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PN 643VSL A VOLUNTARY SEVERANCE PLAN0 participants (2022)

OtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 2 years on file

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PN 645VSL U4515 VOLUNTARY SEVERANCE PLAN0 participants (2021)

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

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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 setup13 brokers in 202417 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: Illinois employer health plans · Transportation & Logistics plans in Illinois · 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.

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