Coty Inc.

New York, NY ManufacturingNAICS 325600

Self-funded health planPlan year 2025Renews January
2,217Participants+16% vs. prior year
$5.3MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#11 of 45Manufacturing in NYBy participants

Overview

Coty Inc. sponsors a self-funded health plan that covered 2,217 participants in plan year 2025, up 16% 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
2,217 · prior year 1,910
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Coty Inc. Flexible Benefits Plan, plan 501 (2,217 participants)
Broker compensation
$187K 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
Hartford Life and AccidentLife, Long-term disability2,806$2.3M$187K
Eyemed Vision Care on Behalf of Fidelity Security Life Ins Co. of NYVision2,315$172K—

Pharmacy benefit estimate

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

$5.3M/ year

Estimated prescription spend: 2,217 participants × $2,371 national average per member. Usually higher once dependents are counted.

$137K–$337K/ year

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

Brands with a generic available$40K–$100K
Lower-cost therapeutic alternatives$58K–$122K
Generic pricing vs. actual cost$25K–$76K
PBM contract terms$13K–$39K
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
Coty Inc.
Sponsor EIN
13-3823358
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 13-3823358 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Coty Retirement Savings Plan
Type
401(k) plan
Participants
3,725

About this data

Source: Coty 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 Coty Inc..

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