Form 5500 · Employee benefit plan · NEW YORK, NY
AMERICAN EXPRESS COMPANY AND ITS PARTICIPATING SUBSIDIARIES
The filing calls this plan AMERICAN EXPRESS RETIREE WELFARE BENEFITS PLAN.
AMERICAN EXPRESS COMPANY AND ITS PARTICIPATING SUBSIDIARIES of NEW YORK, NY is a 1,950-participant finance and insurance employer whose group benefits are disclosed in its annual Form 5500 filing. Coverage is written through METROPOLITAN LIFE INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 13-4922250 · plan 525 · plan year 2025, filed Jul 2, 2026
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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: UNITEDHEALTHCARE INSURANCE COMPANY covers 13 of 1,950 participants (0.7%) on Schedule A.
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.
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 2 insured contracts covering health and life; the largest, with METROPOLITAN LIFE INSURANCE COMPANY, covers 1,797 people.
Reported premium is $2,123,428; the filing discloses no broker commission on these contracts.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
No broker of record is named on the Schedule A. The contracts may be written directly with the carrier, or the broker fields were left blank on the filing.
Two carriers split the book: METROPOLITAN LIFE INSURANCE COMPANY and UNITEDHEALTHCARE INSURANCE COMPANY.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 1,797 | Jan 1, 2026 | $1,182,955 | $0 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 13 | Jan 1, 2026 | $940,473 | $0 |
Premium and claims on this contract
METROPOLITAN LIFE INSURANCE COMPANY, contract 0035693. For the contract year on this filing, the carrier reported $1,182,955 in premium earned and $1,693,244 in claims incurred. Dividing one by the other gives 143%.
- METROPOLITAN LIFE INSURANCE COMPANY, contract 0035693 reported $-510,289 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.
Other plans filed by this employer
How this plan compares
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