Whataburger Restaurants LLC
Overview
Whataburger Restaurants LLC sponsors a self-funded health plan that covered 52,740 participants in plan year 2025, about the same as 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
- 52,740 · prior year 52,740
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- Whataburger Employee Benefit Plan, plan 510 (52,740 participants); Whataburger Employee Quality Protection Plan, plan 504 (38,380 participants)
- Broker compensation
- $389K 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 |
|---|---|---|---|---|
| Lincoln National Life Insurance Company | Life, Long-term disability, Short-term disability | 9,689 | $6.9M | $241K |
| Metropolitan Life Insurance Company | Vision | 8,442 | $498K | — |
| Magellan Healthcare | Employee Assistance Program | 51,995 | $399K | — |
| Lifesecure Insurance Company | Long Term Care | 74 | $302K | $65K |
| Unum Life Insurance Company of America | Critical Illness | 724 | $228K | $31K |
| Provident Life and Accident Insurance Company | Life | 849 | $208K | $25K |
| Massachusetts Mutual Life Insurance Company | Long-term disability | 124 | $126K | $19K |
| Prudential Life Insurance Company of America | Long Term Care | 33 | $63K | $7K |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 52,740 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
- Whataburger Restaurants LLC
- Sponsor EIN
- 30-1199687
- Plan numbers
- 510, 504
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 30-1199687 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- Whataburger 401(k) Savings Plan
- Type
- 401(k) plan
- Participants
- 53,752
About this data
Source: Whataburger Restaurants LLC'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 Whataburger Restaurants LLC.