Form 5500 · Employee benefit plan · IRVINE, CA
IN-N-OUT BURGERS, A CALIFORNIA CORPORATION
IN-N-OUT BURGERS, A CALIFORNIA CORPORATION of IRVINE, CA is a 28,445-participant hospitality and food service employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is CUSTOM BENEFITS PROGRAM INC.. Coverage is written through UNITEDHEALTHCARE INSURANCE COMPANY and 10 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 95-2246829 · plan 501 · as of Aug 2026
Plan brief
Schedule A lists 18 insured contracts covering health, dental, life and disability.
Reported premium across the insured contracts is $82,664,843, with $255,491 in disclosed broker commissions — about 0.3% of premium.
The health contract's policy period ended in December, while at least one ancillary line renews in August — the plan is on a split renewal cycle.
CUSTOM BENEFITS PROGRAM INC. is the broker of record on 4 of the 18 contracts; the rest name a different broker or none.
11 carriers appear on the filing — UNITEDHEALTHCARE INSURANCE COMPANY, KAISER FOUNDATION HEALTH PLAN, INC., KAISER FOUNDATION HEALTH PLAN INC. and LINCOLN NATIONAL LIFE INSURANCE COMPANY among them — with UNITEDHEALTHCARE INSURANCE COMPANY writing the largest contract by premium.
Schedule A insurance contracts
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.
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