Form 5500 · Employee benefit plan · IRVINE, CA
IN-N-OUT BURGERS, A CALIFORNIA CORPORATION
The filing calls this plan IN-N-OUT BURGER ASSOCIATES HEALTH AND WELFARE PLAN.
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 9 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 · plan year 2024, filed Oct 10, 2025
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5,257 other employer plans in California 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
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Disability: THE LINCOLN NATIONAL LIFE INSURANCE COMPANY covers 1,254 of 28,445 participants (4.4%) on Schedule A.
5 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
Also declared: prepaid legal, 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 18 insured contracts covering health, dental, life and disability.
The filing declares health, dental, life, disability and vision. Vision 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 5 contracts here that do not say what they cover.
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's policy period ended 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.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY | Health | 2,952 | Jan 1, 2025 | $334,845 | $69,231 |
| METROPOLITAN LIFE INSURANCE COMPANY | Health | 3,782 | Jan 1, 2025 | $307,558 | $65,191 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 1,831 | Jan 1, 2025 | $205,039 | $47,269 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 987 | Jan 1, 2025 | $110,204 | $25,777 |
| METLIFE LEGAL PLANS | — | 1,339 | Sep 1, 2024 | $176,773 | $14,253 |
| METROPOLITAN LIFE INSURANCE COMPANY | Health | 1,199 | Jan 1, 2025 | $141,504 | $13,929 |
| METROPOLITAN LIFE INSURANCE COMPANY | Health | 1,475 | Jan 1, 2025 | $130,229 | $12,828 |
| METROPOLITAN GENERAL INSURANCE COMPANY | — | 1,327 | Jan 1, 2025 | $65,825 | $7,013 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 6,511 | Jan 1, 2025 | $46,714,551 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 3,546 | Jan 1, 2025 | $21,758,105 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 1,421 | Jan 1, 2025 | $8,623,095 | $0 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 30,826 | Jan 1, 2025 | $1,324,245 | $0 |
| DELTA DENTAL OF CALIFORNIA | Dental | 4,425 | Jan 1, 2025 | $647,081 | $0 |
| DELTA DENTAL OF CALIFORNIA | Dental | 2,690 | Jan 1, 2025 | $622,508 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF COLORADO | Health | 93 | Jan 1, 2025 | $618,615 | $0 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 1,254 | Jan 1, 2025 | $573,471 | $0 |
| COMPSYCH CORPORATION | — | 41,723 | Jan 1, 2025 | $293,652 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | Health | 2 | Jan 1, 2025 | $17,543 | $0 |
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: 3,557 employees, 117 recordable cases, 3,220 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
One establishment filed under this EIN is left out of these figures: the hours and employees it reported could not both be right.
Other plans filed by this employer
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