Form 5500 · Employee benefit plan · CHICAGO, IL
UNITED AIRLINES, INC.
The filing calls this plan UNITED AIRLINES CONSOLIDATED WELFARE BENEFIT PLAN.
UNITED AIRLINES, INC. of CHICAGO, IL is a 126,338-participant transportation and logistics employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is MERCER HEALTH & BENEFITS ADM LLC. Coverage is written through KAISER FOUNDATION HEALTH PLAN, INC. and 25 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 74-2099724 · plan 540 · plan year 2024, filed Oct 14, 2025
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How this plan is funded
Both, as reported
The filing reports both insurance premium and benefits paid from the plan's own money, and the two amounts do not line up.
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
Dental: the largest of the 4 insured dental contracts, with HMSA BLUE CROSS BLUE SHIELD OF HAWAII, covers 2,048 of 126,338 participants (1.6%) on Schedule A.
Vision: the largest of the 3 insured vision contracts, with HMSA BLUE CROSS BLUE SHIELD OF HAWAII, covers 2,048 of 126,338 participants (1.6%) on Schedule A.
Also declared: prepaid legal, severance, death benefits, 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 37 insured contracts covering health, dental, vision, life and disability.
Reported premium across the insured contracts is $381,838,424, with $1,437,986 in disclosed broker commissions — about 0.4% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in September. The plan is on a split renewal cycle.
MERCER HEALTH & BENEFITS ADM LLC is the broker of record on 1 of the 37 contracts; the rest name a different broker or none.
26 carriers appear on the filing, including KAISER FOUNDATION HEALTH PLAN, INC., KAISER FOUNDATION HEALTH PLAN OF COLORADO, METROPOLITAN LIFE INSURANCE COMPANY and SECURIAN LIFE INSURANCE COMPANY. KAISER FOUNDATION HEALTH PLAN, INC. writes the largest contract by premium.
Schedule A insurance contracts
Premium and claims on these contracts
MEDICAL MUTUAL, contract 746740. For the contract year on this filing, the carrier reported $14,892,587 in premium earned and $14,074,286 in claims incurred. Dividing one by the other gives 95%.
VISION SERVICE PLAN, contract 12268219. For the contract year on this filing, the carrier reported $9,054,135 in premium earned and $8,080,715 in claims incurred. Dividing one by the other gives 89%.
TRIPLE S SALUD, INC., contract SP0003652. For the contract year on this filing, the carrier reported $426,014 in premium earned and $342,593 in claims incurred. Dividing one by the other gives 80%.
- MEDICAL MUTUAL, contract 746740 reported $1,405,362 in retention.
- VISION SERVICE PLAN, contract 12268219 reported $860,143 in retention.
- TRIPLE S SALUD, INC., contract SP0003652 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
Named on Schedule C of this filing. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 93,815 employees, 4,238 recordable cases, 119,244 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
Other plans filed by this employer
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