Ruby Tuesday Operations LLC

Maryville, TN HospitalityNAICS 722511

Self-funded health planPlan year 2025Renews January
651Participants0% vs. prior year
$1.5MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#8 of 8Hospitality in TNBy participants

Overview

Ruby Tuesday Operations LLC sponsors a self-funded health plan that covered 651 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
651 · prior year 651
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Ruby Tuesday Operation LLC Health Plan, plan 595 (651 participants); Ruby Tuesday Operation LLC Health Plan, plan 506 (100 participants)
Broker compensation
$86K 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
Lincoln National Life Insurance CompanyLife, Short-term disability, Long-term disability497$263K$29K
The Lincoln National Life Insurance CompanyHospital, Critical Illness, Accident304$177K$58K
Bluecross Blueshield of Tennessee, Inc.Vision970$74K—

Pharmacy benefit estimate

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

$1.5M/ year

Estimated prescription spend: 651 participants × $2,371 national average per member. Usually higher once dependents are counted.

$40K–$99K/ year

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

Brands with a generic available$12K–$29K
Lower-cost therapeutic alternatives$17K–$36K
Generic pricing vs. actual cost$7K–$22K
PBM contract terms$4K–$12K
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
Ruby Tuesday Operations LLC
Sponsor EIN
86-1996189
Plan numbers
595, 506
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 86-1996189 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Ruby Tuesday Salary Deferral Plan
Type
401(k) plan
Participants
4,007

About this data

Source: Ruby Tuesday Operations 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 Ruby Tuesday Operations LLC.

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