Dutch Bros. LLC

Tempe, AZ RetailNAICS 445299

Self-funded health planPlan year 2025Renews January
22,906Participants+29% vs. prior year
$54.3MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#1 of 14Retail in AZBy participants

Overview

Dutch Bros. LLC sponsors a self-funded health plan that covered 22,906 participants in plan year 2025, up 29% 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
22,906 · prior year 17,695
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Dutch Bros. Health and Welfare Plan, plan 501 (22,906 participants)
Broker compensation
$135K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilitySeveranceDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Oregon Dental Service DBA Delta Dental Plan of OregonDental2,883$1.1M—
Sun Life Assurance Company of CanadaVision, Life, Short-term disability, Long-term disability3,499$900K$135K
ComPsychEmployee Assistance Program22,906$204K—

Pharmacy benefit estimate

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

$54.3M/ year

Estimated prescription spend: 22,906 participants × $2,371 national average per member. Usually higher once dependents are counted.

$1.4M–$3.5M/ year

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

Brands with a generic available$413K–$1.0M
Lower-cost therapeutic alternatives$603K–$1.3M
Generic pricing vs. actual cost$261K–$782K
PBM contract terms$136K–$407K
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
Dutch Bros. LLC
Sponsor EIN
93-1233485
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 93-1233485 in the Department of Labor's EFAST2 Form 5500 search.

About this data

Source: Dutch Bros. LLC'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 Dutch Bros. LLC.

Request a correction · Methodology