Chewy, Inc.

Plantation, FL RetailNAICS 453910

Self-funded health planPlan year 2025Renews May
17,733Participants+1% vs. prior year
$42.0MEst. pharmacy spend / yrParticipants × national avg.
May 2027Next renewalPlan year begins May 1
#1 of 34Retail in FLBy participants

Overview

Chewy, Inc. sponsors a self-funded health plan that covered 17,733 participants in plan year 2025, about the same as the prior year. The plan year starts in May. 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
17,733 · prior year 17,648
Plan year
Begins May 1 · next renewal May 2027
Health plans filed
Chewy, Inc. Welfare Benefits Plan, plan 501 (17,733 participants)
Broker compensation
$1.2M across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityPrepaid legalLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.

CarrierCoverageCoveredPremiumBroker comp
Prudential Insurance Company of AmericaLife, Long-term disability16,277$5.1M$146K
Cigna Health and Life Insurance Company and AffiliatesDental11,601$5.1M—
Aetna Life Insurance CompanyAccident, Critical Illness, Hospital7,538$2.6M$646K
Eyemed Vision Care on Behalf of Fidelity Security Life Insurance Co.Vision16,393$760K—
American Heritage Life Insurance CompanyLife930$682K$326K
Metropolitan General Insurance CompanyLegal1,643$315K$32K

Pharmacy benefit estimate

StreamRX estimate for a plan this size. Not based on this plan's claims.

$42.0M/ year

Estimated prescription spend: 17,733 participants × $2,371 national average per member. Usually higher once dependents are counted.

$1.1M–$2.7M/ year

Typical savings opportunity found in independent reviews of plans this size.

Brands with a generic available$320K–$799K
Lower-cost therapeutic alternatives$467K–$975K
Generic pricing vs. actual cost$202K–$605K
PBM contract terms$105K–$315K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning May 2028: semiannual PBM compensation reports and an annual audit right.

Form 5500 filing details

Filing
Form 5500 with Schedule A, plan year 2025
Plan sponsor
Chewy, Inc.
Sponsor EIN
90-1020167
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 90-1020167 in the Department of Labor's EFAST2 Form 5500 search.

About this data

Source: Chewy, 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 Chewy, Inc..

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