Chick-Fil-A, Inc.

Atlanta, GA HospitalityNAICS 722513

Self-funded health planPlan year 2025Renews January
11,858Participants+20% vs. prior year
$28.1MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#1 of 15Hospitality in GABy participants

Overview

Chick-Fil-A, Inc. sponsors a self-funded health plan that covered 11,858 participants in plan year 2025, up 20% from 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
11,858 · prior year 9,924
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Chick-Fil-A Health and Welfare Benefits Plan, plan 502 (11,858 participants)
Stop-loss carrier
Blue Cross Blue Shield Healthcare Plan of Georgia, Inc. (g0386)
Broker compensation
$1.2M across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Standard Insurance CompanyLong-term disability, Short-term disability, Life5,783$5.1M$1.2M
Blue Cross Blue Shield Healthcare Plan of Georgia, Inc. (g0386)Stop-loss18,150$4.3M—
National Union Fire Ins. Co. of Pittsburgh, PABusiness Travel Accident - Domestic, Business Travel Accident - International5,675$25K$6K

Pharmacy benefit estimate

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

$28.1M/ year

Estimated prescription spend: 11,858 participants × $2,371 national average per member. Usually higher once dependents are counted.

$731K–$1.8M/ year

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

Brands with a generic available$214K–$534K
Lower-cost therapeutic alternatives$312K–$652K
Generic pricing vs. actual cost$135K–$405K
PBM contract terms$70K–$211K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning January 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
Chick-Fil-A, Inc.
Sponsor EIN
58-0941582
Plan number
502
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 58-0941582 in the Department of Labor's EFAST2 Form 5500 search.

About this data

Source: Chick-Fil-A, 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 Chick-Fil-A, Inc..

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