Kohl's Department Stores, Inc.

Menomonee Falls, WI RetailNAICS 452200

Self-funded health planPlan year 2025Renews January
6,170Participants-6% vs. prior year
$14.6MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#3 of 23Retail in WIBy participants

Overview

Kohl's Department Stores, Inc. sponsors a self-funded health plan that covered 6,170 participants in plan year 2025, down 6% 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
6,170 · prior year 6,560
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Kohl's Texas Associate Accident Program, plan 512 (6,170 participants)
Broker compensation
$989K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityPrepaid legalLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Kaiser Foundation Health Plan, Inc. (california)Medical, Prescription drug, HMO422$5.8M$120K
Securian Life Insurance CompanyLife, Voluntary Accidental Death and Dismember25,848$3.9M$479K
Blue Cross & Blue Shield of WisconsinVision27,632$2.1M$123K
Delta Dental of WisconsinDental3,435$1.3M$53K
UnitedHealthcare Insurance CompanyHospital Indemnity, Critical Illness and5,731$1.1M$92K
Life Insurance Company of North AmericaLong-term disability2,760$1.0M$92K
ComPsychEmployee Assistance Program104,379$551K—
Metropolitan General Insurance CompanyLegal1,222$277K$30K
Federal Insurance CompanyBusiness Travel Accident26,186——

Pharmacy benefit estimate

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

$14.6M/ year

Estimated prescription spend: 6,170 participants × $2,371 national average per member. Usually higher once dependents are counted.

$380K–$938K/ year

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

Brands with a generic available$111K–$278K
Lower-cost therapeutic alternatives$162K–$339K
Generic pricing vs. actual cost$70K–$211K
PBM contract terms$37K–$110K
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
Kohl's Department Stores, Inc.
Sponsor EIN
13-3357362
Plan number
512
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 13-3357362 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Kohl's Inc. Savings Plan
Type
401(k) plan
Participants
66,634

About this data

Source: Kohl's Department Stores, 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 Kohl's Department Stores, Inc..

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