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Original filing (PDF)20251013112613NAL0002585410001
AMERICAN AIRLINES, INC. -BENEFITS
Form 5500
FILING_RECEIVED
AMERICAN AIRLINES, INC.HEALTH AND LIFE PLAN FOR RETIREES
Health & welfare plan
Signals · 3
98% in single holding~260 bps in Sched C fees9 service providers
Active participants
0
Accounts w/ balance
—
Plan assets (EOY)
$127.7M
Net assets (EOY)
$127.0M
How this plan invests
This plan
2 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
84
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
75
Total plan cost
65
Vendor stack
88
Participation health
90
Knocking points off
- Top holding "American Beacon American Beacon Diversified Fund – AAL" is 98% of plan.
- 260 bps in Schedule C fees — 2496% above peer band of 10 bps.
- Highly fragmented vendor stack (9 disclosed providers, 6 categories).
- No active participants reported but plan still holds assets.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for AMERICAN AIRLINES, INC. -BENEFITS.
Plan sponsor
Name
AMERICAN AIRLINES, INC. -BENEFITS
EIN
13-1502798
Address
MD 8A202 · 1 SKYVIEW DR · FORT WORTH, TX · 76155
Phone
(800) 447-2000
Industry
Transportation & Warehousingsee all
Plan administrator
Name
AMERICAN AIRLINES, INC. -HR SERVICES
EIN
13-1502798
City
FORT WORTH, TX
Phone
(800) 447-2000
Plan characteristics
Plan number
515
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-13
Welfare benefit codes
4A · Health (other than dental or vision)
4B · Life Insurance
Audit & trust (Schedule H)
Auditor
CBIZ CPAS P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
9 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER GREAT WEST TRUST | 84-0467907 | — | RECORDKEEPING | $1.0M | — |
Trustee
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| STATE STREET BANK AND TRUST | 04-2456637 | — | TRUSTEE | $6K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ALIGHT SOLUTIONS | 82-1061233 | — | CONTRACT ADMINISTRATOR | $1.7M | — |
Accountant / Auditor
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CBIZ CPAS P.C. | 43-1947695 | — | ACCOUNTING | $38K | — |
| ERNST & YOUNG, LLP | 34-9656559 | — | ACCOUNTING | $15K | — |
Actuary
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| WILLIS TOWERS WATSON | 53-0181291 | — | ACTUARY | $46K | — |
Other
3| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| UNITED HEALTHCARE | 41-1289245 | — | CLAIMS PROCESSING | $242K | — |
| BLUE CROSS BLUE SHIELD | 36-1236610 | — | CLAIMS PROCESSING | $208K | — |
| CVS HEALTH | 05-0340626 | — | CLAIMS PROCESSING | $58K | — |
Investments
2 direct securities· $124.8M(98% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| American Beacon American Beacon Diversified Fund – AAL | — | — | $112.5M | $122.7M | 96.0% | |
| Advisors Class JPMorgan Asset JPMorgan U.S. Government Money Market Management Fund - OGVXX | — | — | $2.2M | $2.2M | 1.7% |