Yum! Brands, Inc.

Louisville, KY HospitalityNAICS 722513

Self-funded health planPlan year 2025Renews January
3,309Participants+26% vs. prior year
$7.8MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#2 of 7Hospitality in KYBy participants

Overview

Yum! Brands, Inc. sponsors a self-funded health plan that covered 3,309 participants in plan year 2025, up 26% 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
3,309 · prior year 2,637
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Yum! Brands, Inc. Texas Employee Injury Benefit Plan, plan 550 (3,309 participants); YUM Brands Retiree Healthcare Program, plan 520 (175 participants)
Broker compensation
$342K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityPrepaid legalLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Kaiser Foundation Health Plan, Inc.Medical755$4.1M$118K
Sun Life Assurance Company of CanadaLife28,928$1.7M$126K
Cigna Health and Life Insurance CompanyMedical, Dental, Life60$1.6M—
MetLife Legal PlansLegal816$251K—
Optum Health and TechnologyEAP6,738—$86K

Pharmacy benefit estimate

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

$7.8M/ year

Estimated prescription spend: 3,309 participants × $2,371 national average per member. Usually higher once dependents are counted.

$204K–$503K/ year

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

Brands with a generic available$60K–$149K
Lower-cost therapeutic alternatives$87K–$182K
Generic pricing vs. actual cost$38K–$113K
PBM contract terms$20K–$59K
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
Yum! Brands, Inc.
Sponsor EIN
13-3951308
Plan numbers
550, 520
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 13-3951308 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
YUM Brands 401k Plan
Type
401(k) plan
Participants
28,163

About this data

Source: Yum! Brands, 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 Yum! Brands, Inc..

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