Chipotle Mexican Grill, Inc.
Updated Filing received by DOL
Chipotle Mexican Grill, Inc., an accommodation & food services employer in Newport Beach, California, reported 124,081 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 11 insurance contracts with no premium reported and $716,382 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on August 12, 2026, within the extension window.
Who was paid on Chipotle Mexican Grill, Inc.'s plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Chipotle Mexican Grill, Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Alliant Insurance Services · Irvine, CA | $467,781 | $189,146 | $656,927 | 11 |
| The Boon Insurance Agency · Austin, TX | $59,127 | $0 | $59,127 | 1 |
| Reuben Warner Associates, Inc. · Staten Island, NY | $0 | $343 | $343 | 1 |
| Willis Towers Watson · New York, NY | $0 | $0 | $0 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Anthem Blue Cross Life and Health Insurance Companydental | 26,369 | — | — | — |
| Hartford Life and Accidentlife, short-term disability, long-term disability | 21,509 | — | $308,315 | — |
| Curalinc, LLC dba Curalinc Healthcarecoverage not coded | 106,744 | — | — | — |
| Metlife Legal Planscoverage not coded | 495 | — | $10,542 | — |
| 98point6coverage not coded | 10,906 | — | — | — |
| Hartford Life and Accident Insurance Companycoverage not coded | 123,021 | — | $603 | — |
| Alight Solutions LLCcoverage not coded | 123,021 | — | — | — |
| Adurocoverage not coded | 11,058 | — | — | — |
| Metropolitan Life Insurance Companycoverage not coded | 3,482 | — | $297,580 | — |
| Kaiser Foundation Health Plan, Inc.health, prescription drug, HMO | 887 | — | — | — |
| Aetna Life Insurance Companyhealth, dental, vision, prescription drug | 277 | — | $99,342 | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Chipotle Mexican Grill, Inc. compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 112,245 | 124,081 | +10.5% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $583,637 | $716,382 | +22.7% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Chipotle Mexican Grill, Inc. Health and Welfare Plan#510 · insurance, general assets | December 31, 2025 | August 12, 2026 | within extension | 124,081 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Chipotle Mexican Grill, Inc. pay in health insurance broker commissions in 2025?
Chipotle Mexican Grill, Inc.'s 2025 Form 5500 reports $716,382 in broker commissions and fees across 11 insurance contracts ($526,894 in commissions, $189,488 in fees), with Alliant Insurance Services receiving the largest share.
Is Chipotle Mexican Grill, Inc.'s health plan self-funded or fully insured?
The 2025 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Kaiser Foundation Health Plan, Inc., Aetna Life Insurance Company.
How does Chipotle Mexican Grill, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Chipotle Mexican Grill, Inc. because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 5,000+ participants that disclosed broker pay reported a median of $458,262.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.