Form 5500 · Employee benefit plan · SPRINGFIELD, MO
O'REILLY AUTOMOTIVE, INC.
The filing calls this plan O'REILLY AUTOMOTIVE, INC. EMPLOYEE BENEFITS PLAN.
O'REILLY AUTOMOTIVE, INC. of SPRINGFIELD, MO is a 86,178-participant retail employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is AON RISK SERVICES CENTRAL INC. Coverage is written through HARTFORD LIFE AND ACCIDENT and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 27-4358837 · plan 502 · plan year 2024, filed Sep 16, 2025
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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: the largest of the 5 insured health contracts, with KAISER FOUNDATION HEALTH PLAN, INC., covers 1,356 of 86,178 participants (1.6%) on Schedule A.
Dental: CIGNA HEALTH AND LIFE INSURANCE COMPANY covers 1,963 of 86,178 participants (2.3%) on Schedule A.
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 10 insured contracts covering health, dental, vision, life and disability; the largest, with HARTFORD LIFE AND ACCIDENT, covers 73,381 people.
Reported premium is $48,450,806; 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.
AON RISK SERVICES CENTRAL INC is the broker of record on 2 of the 10 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including HARTFORD LIFE AND ACCIDENT, KAISER FOUNDATION HEALTH PLAN, INC., EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. and HAWAII MEDICAL SERVICE ASSOCIATION. HARTFORD LIFE AND ACCIDENT writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HARTFORD LIFE AND ACCIDENT | Life, Disability | 73,381 | Jan 1, 2025 | $22,966,873 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 1,356 | Jan 1, 2025 | $9,931,209 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 1,129 | Jan 1, 2025 | $8,333,145 | $0 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | Vision | 47,377 | Jan 1, 2025 | $3,269,739 | $0 |
| HAWAII MEDICAL SERVICE ASSOCIATION | Health | 186 | Jan 1, 2025 | $1,175,774 | $0 |
| HARTFORD LIFE AND ACCIDENT | — | 15,523 | Jan 1, 2025 | $1,153,754 | $0 |
| METLIFE LEGAL PLANS | — | 4,609 | Jan 1, 2025 | $961,436 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 65 | Jan 1, 2025 | $350,722 | $0 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 1,963 | Jan 1, 2025 | $294,932 | $0 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | Vision | 200 | Jan 1, 2025 | $13,222 | $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.
Other plans filed by this employer
How this plan compares
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