Vital Farms, Inc.

Austin, TX AgricultureNAICS 112300

Self-funded health planPlan year 2025Renews January
743Participants+24% vs. prior year
$1.8MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#5 of 5Agriculture in TXBy participants

Overview

Vital Farms, Inc. sponsors a self-funded health plan that covered 743 participants in plan year 2025, up 24% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, vision, short-term disability.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
743 · prior year 598
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Vital Farms, Inc. Welfare Benefit Plan, plan 502 (743 participants)
Broker compensation
$101K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityOther welfare benefits

Insurance carriers

Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.

CarrierCoverageCoveredPremiumBroker comp
Cigna Health and Life Insurance CompanyDental, Vision596$443K$53K
UnitedHealthcare Insurance CompanyLife, Short-term disability743$282K$48K

Pharmacy benefit estimate

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

$1.8M/ year

Estimated prescription spend: 743 participants × $2,371 national average per member. Usually higher once dependents are counted.

$46K–$113K/ year

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

Brands with a generic available$13K–$33K
Lower-cost therapeutic alternatives$20K–$41K
Generic pricing vs. actual cost$8K–$25K
PBM contract terms$4K–$13K
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
Vital Farms, Inc.
Sponsor EIN
27-0496985
Plan number
502
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 27-0496985 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Vital Farms Inc. 401(k) Profit Sharing Plan
Type
401(k) plan
Participants
1,294

About this data

Source: Vital Farms, 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 Vital Farms, Inc..

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