The Estee Lauder Companes Inc.

Long Island City, NY ManufacturingNAICS 339900

Self-funded health planPlan year 2025Renews January
10,726Participants+1% vs. prior year
$25.4MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#2 of 45Manufacturing in NYBy participants

Overview

The Estee Lauder Companes Inc. sponsors a self-funded health plan that covered 10,726 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, short-term disability, long-term disability, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
10,726 · prior year 10,663
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
The Estee Lauder Companies Inc. Group Medical, Dental, Prescription Drug, Long Term Disability, Life, Accidental Death and Dismemberment, plan 503 (10,726 participants); The Estee Lauder Companies Retiree Medical Plan, plan 512 (191 participants)
Broker compensation
$227K across insured contracts
MedicalLife insuranceDentalShort-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
Hartford Life and AccidentLife, Long-term disability, Short-term disability8,543$8.6M$157K
National Union Fire Ins. Co. of Pittsburgh, PAVoluntary Accidental Death and Dismember, Basic Accidental Death and Dismemberment, Business Travel Accident8,600$466K$70K

Pharmacy benefit estimate

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

$25.4M/ year

Estimated prescription spend: 10,726 participants × $2,371 national average per member. Usually higher once dependents are counted.

$661K–$1.6M/ year

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

Brands with a generic available$193K–$483K
Lower-cost therapeutic alternatives$282K–$590K
Generic pricing vs. actual cost$122K–$366K
PBM contract terms$64K–$191K
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
The Estee Lauder Companes Inc.
Sponsor EIN
11-2408943
Plan numbers
503, 512
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 11-2408943 in the Department of Labor's EFAST2 Form 5500 search.

About this data

Source: The Estee Lauder Companes 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 The Estee Lauder Companes Inc..

Request a correction · Methodology