Kirkland's, Inc.

Brentwood, TN RetailNAICS 442110

Self-funded health planPlan year 2025Renews February
509Participants-2% vs. prior year
$1.2MEst. pharmacy spend / yrParticipants × national avg.
Feb 2027Next renewalPlan year begins February 1
#14 of 14Retail in TNBy participants

Overview

Kirkland's, Inc. sponsors a self-funded health plan that covered 509 participants in plan year 2025, down 2% from the prior year. The plan year starts in February. Alongside medical, its benefits filing reports dental, vision, short-term disability, death benefits.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
509 · prior year 521
Plan year
Begins February 1 · next renewal February 2027
Health plans filed
Kirkland's Texas Injury Benefit Plan, plan 506 (509 participants)
MedicalDentalVisionShort-term disabilityDeath benefitsOther welfare benefits

Pharmacy benefit estimate

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

$1.2M/ year

Estimated prescription spend: 509 participants × $2,371 national average per member. Usually higher once dependents are counted.

$31K–$77K/ year

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

Brands with a generic available$9K–$23K
Lower-cost therapeutic alternatives$13K–$28K
Generic pricing vs. actual cost$6K–$17K
PBM contract terms$3K–$9K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning February 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
Kirkland's, Inc.
Sponsor EIN
62-1287151
Plan number
506
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 62-1287151 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Kirkland's, Inc. Retirement Plan
Type
401(k) plan
Participants
5,029

About this data

Source: Kirkland's, 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 Kirkland's, Inc..

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