Pilot Travel Centers, LLC

Knoxville, TN RetailNAICS 447100

Self-funded health planPlan year 2025Renews January
28,233Participants+6% vs. prior year
$66.9MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#1 of 14Retail in TNBy participants

Overview

Pilot Travel Centers, LLC sponsors a self-funded health plan that covered 28,233 participants in plan year 2025, up 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
28,233 · prior year 26,756
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Pilot Travel Centers Employee Benefit Plan, plan 501 (28,233 participants)
Broker compensation
$1.5M 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
Reliance Standard Life Insurance CompanyLife, Short-term disability, Long-term disability18,835$12.8M$1.5M
Delta Dental of TennesseeDental20,166$4.3M—
Massachusetts Mutual Life Insurance CompanyLife204$474K$4K
Curalinc, LLCEmployee Assistance Program26,360$219K—

Pharmacy benefit estimate

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

$66.9M/ year

Estimated prescription spend: 28,233 participants × $2,371 national average per member. Usually higher once dependents are counted.

$1.7M–$4.3M/ year

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

Brands with a generic available$509K–$1.3M
Lower-cost therapeutic alternatives$743K–$1.6M
Generic pricing vs. actual cost$321K–$964K
PBM contract terms$167K–$502K
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
Pilot Travel Centers, LLC
Sponsor EIN
34-1953155
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 34-1953155 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Pilot Travel Centers LLC 401(k) Plan
Type
401(k) plan
Participants
32,913

About this data

Source: Pilot Travel Centers, 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 Pilot Travel Centers, LLC.

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