Churchill Downs
Overview
Churchill Downs sponsors a self-funded health plan that covered 5,624 participants in plan year 2025, about the same as 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
- 5,624 · prior year 5,624
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- Churchill Downs Incorporated Welfare Plan, plan 501 (5,624 participants)
- Stop-loss carrier
- Anthem Health Plans of Kentucky, Inc.; Anthem Health Plans of KY Inc.
- Broker compensation
- $1.4M across insured contracts
Insurance carriers
Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.
| Carrier | Coverage | Covered | Premium | Broker comp |
|---|---|---|---|---|
| Reliastar Life Insurance Company | Life, Short-term disability, Long-term disability | 7,250 | $3.7M | $1.1M |
| Delta Dental of Kentucky | Dental | 5,677 | $1.7M | $122K |
| Anthem Health Plans of KY Inc. | Stop-loss | 5,358 | $1.4M | — |
| Vision Service Plan | Vision | 3,369 | $528K | $46K |
| Health Advocate Solutions, Inc. | Medical | 7,801 | $283K | $16K |
| Massachusetts Mutual Life Insurance Company | Long-term disability | 162 | $202K | $61K |
| Trustmark Insurance Company (life) | Life | 399 | $153K | $51K |
| Shelterpoint Life Insurance Company | Short-term disability | 30 | $8K | — |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 5,624 participants × $2,371 national average per member. Usually higher once dependents are counted.
Typical savings opportunity found in independent reviews of plans this size.
Form 5500 filing details
- Filing
- Form 5500 with Schedule A, plan year 2025
- Plan sponsor
- Churchill Downs
- Sponsor EIN
- 61-0156015
- Plan number
- 501
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 61-0156015 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- Churchill Downs Incorporated 401(k) Retirement Plan
- Type
- 401(k) plan
- Participants
- 10,575
About this data
Source: Churchill Downs'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 Churchill Downs.