Texas Roadhouse Management Corp.

Louisville, KY HospitalityNAICS 722511

Self-funded health planPlan year 2025Renews January
8,371Participants+13% vs. prior year
$19.8MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#1 of 7Hospitality in KYBy participants

Overview

Texas Roadhouse Management Corp. sponsors a self-funded health plan that covered 8,371 participants in plan year 2025, up 13% 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
8,371 · prior year 7,417
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Texas Roadhouse Management Corp. Health and Welfare Benefit Plan, plan 601 (8,371 participants)
Broker compensation
$1.2M 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
Reliastar Life Insurance CompanyLife, Short-term disability8,115$3.6M$1.0M
Reliance Standard Life Insurance CompanyLife, Long-term disability4,937$1.6M$178K
UnitedHealthcare Insurance CompanyVision7,075$626K—
Provident Life and Accident Insurance CompanyLife1,178$292K$14K
Curalinc HealthcareEmployee Assistance Program27,852$149K—
National Union Fire Insurance Company of Pittsburgh, PABusiness Travel Accident8,371$36K$7K
First Unum Life Insurance CompanyLife46$11K$540

Pharmacy benefit estimate

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

$19.8M/ year

Estimated prescription spend: 8,371 participants × $2,371 national average per member. Usually higher once dependents are counted.

$516K–$1.3M/ year

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

Brands with a generic available$151K–$377K
Lower-cost therapeutic alternatives$220K–$460K
Generic pricing vs. actual cost$95K–$286K
PBM contract terms$50K–$149K
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
Texas Roadhouse Management Corp.
Sponsor EIN
61-1316260
Plan number
601
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 61-1316260 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Texas Roadhouse Salaried Employees 401(k) Profit Sharing Plan
Type
401(k) plan
Participants
5,124

About this data

Source: Texas Roadhouse Management Corp.'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 Texas Roadhouse Management Corp..

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