Form 5500 · Employee benefit plan · NEW YORK, NY
AMERICAN EXPRESS COMPANY AND ITS PARTICIPATING SUBSIDIARIES
The filing calls this plan AMERICAN EXPRESS WELFARE BENEFITS PLAN.
AMERICAN EXPRESS COMPANY AND ITS PARTICIPATING SUBSIDIARIES of NEW YORK, NY is a 25,185-participant finance and insurance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is MANAGEMENT COMPENSATION GP SOUTHEAS. Coverage is written through METROPOLITAN LIFE INSURANCE COMPANY and 7 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 13-4922250 · plan 507 · plan year 2025, filed Jul 2, 2026
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3,536 other employer plans in New York 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 3 insured health contracts, with HMSA BLUE CROSS BLUE SHIELD OF HAWAII, covers 13 of 25,185 participants (under 0.1%) on Schedule A.
Also declared: prepaid legal, death benefits.
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 10 insured contracts covering health, dental, vision, life and disability; the largest, with METROPOLITAN LIFE INSURANCE COMPANY, covers 25,673 people.
Reported premium across the insured contracts is $32,763,920, with $695,393 in disclosed broker commissions — about 2.1% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in April. The plan is on a split renewal cycle.
MANAGEMENT COMPENSATION GP SOUTHEAS is the broker of record on 1 of the 10 contracts; the rest name a different broker or none.
8 carriers appear on the filing, including METROPOLITAN LIFE INSURANCE COMPANY, FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK, METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. and DELTA DENTAL OF NEW YORK. METROPOLITAN LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY | — | 1,349 | Jan 1, 2026 | $2,027,523 | $675,455 |
| ZURICH AMERICAN INSURANCE COMPANY | — | 25,563 | May 1, 2025 | $71,750 | $14,350 |
| TRIPLE S SALUD, INC. | Health, Dental | 11 | Jan 1, 2026 | $112,882 | $5,588 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 25,673 | Jan 1, 2026 | $14,230,959 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Disability | 25,472 | Jan 1, 2026 | $10,215,951 | $0 |
| FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | Vision | 18,138 | Jan 1, 2026 | $3,214,100 | $0 |
| METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | 8,277 | Jan 1, 2026 | $1,723,287 | $0 |
| DELTA DENTAL OF NEW YORK | Dental | 3,415 | Jan 1, 2026 | $906,015 | $0 |
| HMSA BLUE CROSS BLUE SHIELD OF HAWAII | Health | 13 | Jan 1, 2026 | $213,826 | $0 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Health, Dental, Vision | 3 | Jan 1, 2026 | $47,627 | $0 |
Premium and claims on this contract
TRIPLE S SALUD, INC., contract SP0003460. For the contract year on this filing, the carrier reported $112,882 in premium earned and $59,077 in claims incurred. Dividing one by the other gives 52%.
- TRIPLE S SALUD, INC., contract SP0003460 reported $0 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
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Renewal calendar
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