L'oreal USA, Inc.
Overview
L'oreal USA, Inc. sponsors a self-funded health plan that covered 10,064 participants in plan year 2025, up 7% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, vision, short-term disability, and more.
- Plan type
- ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
- Participants
- 10,064 · prior year 9,395
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- L'oreal USA, Inc. Welfare Benefits Plan, plan 513 (10,064 participants); L'oreal USA, Inc. Retiree Medical Plan, plan 512 (439 participants)
- Broker compensation
- $390K across insured contracts
Insurance carriers
Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.
| Carrier | Coverage | Covered | Premium | Broker comp |
|---|---|---|---|---|
| Metropolitan Life Insurance Company | Life | 12,319 | $3.9M | $185K |
| Lincoln National Life Insurance Company | Long-term disability | 8,336 | $3.3M | $77K |
| Spring Health | Employee Assistance Program | 9,534 | $1.3M | $68K |
| CVS Pharmacy, Inc. | Prescription drug | 260 | $977K | — |
| Vision Service Plan | Vision | 7,563 | $964K | $45K |
| Aetna Health Inc. (a New Jersey Corporation) | HMO | 99 | $595K | — |
| Aetna Life Insurance Co. | Dental | 1,367 | $357K | $14K |
| Lincoln Life & Annuity Company of New York | NY Statutory Disability | 2,637 | $201K | — |
| National Union Fire Ins. Co. of Pittsburgh, PA | Business Travel Accident | 9,005 | — | — |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 10,064 participants × $2,371 national average per member. Usually higher once dependents are counted.
Typical savings opportunity found in independent reviews of plans this size.
Form 5500 filing details
- Filing
- Form 5500 with Schedule A, plan year 2025
- Plan sponsor
- L'oreal USA, Inc.
- Sponsor EIN
- 22-1539735
- Plan numbers
- 513, 512
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 22-1539735 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- L'oreal USA, Inc. Employee Retirement Savings Plan
- Type
- 401(k) plan
- Participants
- 13,841
About this data
Source: L'oreal USA, Inc.'s Form 5500 filing for plan year 2025 and its Schedule A insurance reports, published by the U.S. Department of Labor. "Self-funded" means the filing reports benefits paid from employer assets or a trust, with no medical insurance contract or with a stop-loss contract. Pharmacy figures are StreamRX estimates based on national averages. StreamRX is not affiliated with L'oreal USA, Inc..