Whataburger Restaurants LLC
Updated Filing received by DOL
Whataburger Restaurants LLC, an accommodation & food services employer in San Antonio, Texas, reported 52,740 participants in its health and welfare plans for plan year 2025. Its Form 5500 shows 10 insurance contracts with no premium reported and $389,251 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on July 17, 2026, before the deadline.
Who was paid on Whataburger Restaurants LLC's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Whataburger Restaurants LLC filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Lockton · Dallas, TX | $54,587 | $118,156 | $172,743 | 10 |
| Aon · Charlotte, NC | $72,308 | $61,766 | $134,074 | 9 |
| Long Term Care Solutions, Inc. · Redmond, WA | $64,537 | $0 | $64,537 | 1 |
| Benefit Communications Inc · Nashville, TN | $10,662 | $7 | $10,669 | 2 |
| Willis Towers Watson · Dallas, TX | $5,242 | $4 | $5,246 | 4 |
| Christine McCullough · San Antonio, TX | $1,587 | $0 | $1,587 | 1 |
| American Independent Marketing · Yakima, WA | $395 | $0 | $395 | 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 |
|---|---|---|---|---|
| Provident Life and Accident Insurance Companylife | 849 | — | $25,220 | — |
| Lifesecure Insurance Companycoverage not coded | 74 | — | $64,932 | — |
| Lincoln National Life Insurance Companylife | 9,384 | — | $55,513 | — |
| Magellan Healthcarecoverage not coded | 51,995 | — | — | — |
| Massachusetts Mutual Life Insurance Companylong-term disability | 124 | — | $19,431 | — |
| Metropolitan Life Insurance Companyvision | 8,442 | — | — | — |
| Prudential Life Insurance Company of Americacoverage not coded | 33 | — | $7,098 | — |
| Unum Life Insurance Company of Americacoverage not coded | 724 | — | $31,341 | — |
| Lincoln National Life Insurance Companylong-term disability | 9,689 | — | $69,011 | — |
| Lincoln National Life Insurance Companyshort-term disability | 3,855 | — | $116,705 | — |
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 Whataburger Restaurants LLC 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 | 51,655 | 52,740 | +2.1% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $196,983 | $389,251 | +97.6% |
| 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 |
|---|---|---|---|---|
| Whataburger Employee Benefit Plan#510 · insurance, general assets | December 31, 2025 | July 17, 2026 | before deadline | 52,740 |
| Whataburger Employee Quality Protection Plan#504 · general assets | December 31, 2025 | July 17, 2026 | before deadline | 38,380 |
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 Whataburger Restaurants LLC pay in health insurance broker commissions in 2025?
Whataburger Restaurants LLC's 2025 Form 5500 reports $389,251 in broker commissions and fees across 10 insurance contracts ($209,318 in commissions, $179,933 in fees), with Lockton receiving the largest share.
Is Whataburger Restaurants LLC's health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself).
How does Whataburger Restaurants LLC's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Whataburger Restaurants LLC 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.