O'reilly Automotive, Inc.
Updated Filing received by DOL
O'reilly Automotive, Inc., a retail — stores, food, auto, clothing employer in Springfield, Missouri, reported 86,178 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 10 insurance contracts with no premium reported and $318,530 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on September 16, 2025, within the extension window.
Who was paid on O'reilly Automotive, 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 O'reilly Automotive, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Aon · Chicago, IL | $0 | $318,530 | $318,530 | 4 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "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 |
|---|---|---|---|---|
| Kaiser Foundation Health Plan Inc.health, prescription drug, HMO | 65 | — | — | — |
| Metlife Legal Planscoverage not coded | 4,609 | — | — | — |
| Kaiser Foundation Health Plan Inc.health, prescription drug, HMO | 1,129 | — | — | — |
| Hartford Life and Accidentlife, short-term disability, long-term disability | 73,381 | — | $306,644 | — |
| Eyemed Vision Care on Behalf of Fidelity Security Life Insurance Co.vision | 200 | — | — | — |
| Kaiser Foundation Health Plan Inc.health, prescription drug, HMO | 1,356 | — | — | — |
| Eyemed Vision Care on Behalf of Fidelity Security Life Insurance Co.vision | 47,377 | — | — | — |
| Hawaii Medical Services Associationhealth, prescription drug | 186 | — | — | — |
| Cigna Health and Life Insurance Companydental, HMO, indemnity | 1,963 | — | — | — |
| Hartford Life and Accidentcoverage not coded | 15,523 | — | $11,886 | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How O'reilly Automotive, 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
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 85,167 | 86,178 | +1.2% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $294,150 | $318,530 | +8.3% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
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 |
|---|---|---|---|---|
| O'reilly Automotive, Inc. Employee Benefits Plan#502 · insurance, general assets | December 31, 2024 | September 16, 2025 | within extension | 86,178 |
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 O'reilly Automotive, Inc. pay in health insurance broker commissions in 2024?
O'reilly Automotive, Inc.'s 2024 Form 5500 reports $318,530 in broker commissions and fees across 10 insurance contracts ($0 in commissions, $318,530 in fees), with Aon receiving the largest share.
Is O'reilly Automotive, Inc.'s health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Kaiser Foundation Health Plan Inc., Hawaii Medical Services Association.
How does O'reilly Automotive, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for O'reilly Automotive, 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.