Form 5500 · Employee benefit plan · FORT WORTH, TX
AMERICAN AIRLINES, INC. -BENEFITS
The filing calls this plan AMERICAN AIRLINES, INC. HEALTH AND WELFARE PLAN FOR ACTIVE EMPLOYEES.
AMERICAN AIRLINES, INC. -BENEFITS of FORT WORTH, TX spreads its employee benefits across 7 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is AON CONSULTING. Coverage is written through METROPOLITAN LIFE INSURANCE COMPANY and 6 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 13-1502798 · plan 501 · plan year 2024, filed Oct 13, 2025
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4,208 other employer plans in Texas have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Health: the largest of the 6 insured health contracts, with KAISER FOUNDATION HEALTH PLAN, INC., covers 1,867 of 108,278 participants (1.7%) on Schedule A.
10 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
Also declared: death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 21 insured contracts covering health, vision, life and disability; the largest, with METROPOLITAN LIFE INSURANCE COMPANY, covers 92,582 people.
The filing declares health, vision, life, disability and dental. Dental appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on one of the 10 contracts here that do not say what they cover.
Reported premium across the insured contracts is $149,156,000, with $272,303 in disclosed broker commissions — about 0.2% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
AON CONSULTING is the broker of record on 1 of the 21 contracts; the rest name a different broker or none.
Schedule A insurance contracts
Premium and claims on these contracts
METROPOLITAN LIFE INSURANCE COMPANY, contract 0029900. For the contract year on this filing, the carrier reported $38,787,626 in premium earned and $28,337,039 in claims incurred. Dividing one by the other gives 73%.
TRIPLE S SALUD, INC., contract SP0003447. For the contract year on this filing, the carrier reported $3,142,319 in premium earned and $3,355,824 in claims incurred. Dividing one by the other gives 107%.
- METROPOLITAN LIFE INSURANCE COMPANY, contract 0029900 reported $10,450,587 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 93,302 employees, 7,193 recordable cases, 255,069 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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