The Cheesecake Factory Incorporated
Overview
The Cheesecake Factory Incorporated sponsors a self-funded health plan that covered 48,643 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
- 48,643 · prior year 48,017
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- The Cheesecake Factory Incorporated Health and Welfare Plan, plan 501 (48,643 participants)
- Stop-loss carrier
- Reliastar Life Insurance Company
- Broker compensation
- $655K across insured contracts
Insurance carriers
Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.
| Carrier | Coverage | Covered | Premium | Broker comp |
|---|---|---|---|---|
| Hawaii Medical Service Association | Medical, Prescription drug, Dental, Vision, HMO, PPO | 593 | $2.3M | — |
| Unum Life Insurance Company of America | Short-term disability, Life, Long-term disability | 8,028 | $2.1M | $53K |
| Reliastar Life Insurance Company | Stop-loss | 8,785 | $1.2M | $85K |
| Unum Insurance Company | Accident, Critical Illness, Hospital Indemnity | 3,150 | $705K | $446K |
| Curalinc LLC | EAP | 48,643 | $391K | — |
| Triple S Salud, Inc. | Medical, Prescription drug, Dental, PPO | 61 | $334K | $17K |
| Cigna Health and Life Insurance Company and Affiliates | Dental, HMO | 1,582 | $285K | — |
| MetLife Legal Plans | Legal | 1,037 | $238K | $28K |
| Hartford Life and Accident | Medical, Life, Short-term disability, Long-term disability | 8,877 | $187K | $27K |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 48,643 participants × $2,371 national average per member. Usually higher once dependents are counted.
Typical savings opportunity found in independent reviews of plans this size.
Form 5500 filing details
- Filing
- Form 5500 with Schedule A, plan year 2025
- Plan sponsor
- The Cheesecake Factory Incorporated
- Sponsor EIN
- 51-0340466
- Plan number
- 501
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 51-0340466 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- The Cheesecake Factory Incorporated 401(k) Plan
- Type
- 401(k) plan
- Participants
- 5,907
About this data
Source: The Cheesecake Factory Incorporated'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 The Cheesecake Factory Incorporated.