Delek US Holdings, Inc.

Brentwood, TN RetailNAICS 445120

Self-funded health planPlan year 2025Renews January
4,036Participants0% vs. prior year
$9.6MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#4 of 14Retail in TNBy participants

Overview

Delek US Holdings, Inc. sponsors a self-funded health plan that covered 4,036 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
4,036 · prior year 4,036
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Delek US Holdings, Inc. Welfare Benefit Plan, plan 501 (4,036 participants); Delek US Holdings, Inc. Flexible Benefit Plan, plan 502 (538 participants)
Broker compensation
$56K 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
Delta Dental of TennesseeDental5,106$1.9M—
Sun Life Assurance Company of CanadaLife1,922$1.7M$34K
Unum Life Insurance Company of AmericaShort-term disability, Long-term disability2,647$1.0M$20K
Vision Service PlanVision1,670$357K—
Health Advocate Solutions, Inc.Employee Assistance Program1,798$213K—
Federal Insurance CompanyBusiness Travel Accident2,647$30K$917

Pharmacy benefit estimate

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

$9.6M/ year

Estimated prescription spend: 4,036 participants × $2,371 national average per member. Usually higher once dependents are counted.

$249K–$613K/ year

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

Brands with a generic available$73K–$182K
Lower-cost therapeutic alternatives$106K–$222K
Generic pricing vs. actual cost$46K–$138K
PBM contract terms$24K–$72K
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
Delek US Holdings, Inc.
Sponsor EIN
35-2581557
Plan numbers
501, 502
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 35-2581557 in the Department of Labor's EFAST2 Form 5500 search.

About this data

Source: Delek US Holdings, 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 Delek US Holdings, Inc..

Request a correction · Methodology