Zaxby's Franchising LLC

Athens, GA HospitalityNAICS 722513

Self-funded health planPlan year 2025Renews January
1,086Participants0% vs. prior year
$2.6MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#10 of 15Hospitality in GABy participants

Overview

Zaxby's Franchising LLC sponsors a self-funded health plan that covered 1,086 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
1,086 · prior year 1,086
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Athens Restaurant Employees' Health Plan, plan 501 (1,086 participants)
Broker compensation
$259K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disability

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Reliance Standard Life Insurance CompanyLife, Long-term disability, Short-term disability, Voluntary Accident Insurance, Voluntary Critical Illness, Voluntary Hospital Indemnity1,623$818K$199K
Metropolitan Life Insurance CompanyDental1,008$392K$49K
Eyemed Vision CareVision938$69K$10K

Pharmacy benefit estimate

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

$2.6M/ year

Estimated prescription spend: 1,086 participants × $2,371 national average per member. Usually higher once dependents are counted.

$67K–$165K/ year

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

Brands with a generic available$20K–$49K
Lower-cost therapeutic alternatives$29K–$60K
Generic pricing vs. actual cost$12K–$37K
PBM contract terms$6K–$19K
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
Zaxby's Franchising LLC
Sponsor EIN
58-2129090
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 58-2129090 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Zaxby's Franchising, LLC 401(k) Plan
Type
401(k) plan
Participants
11,093

About this data

Source: Zaxby's Franchising LLC'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 Zaxby's Franchising LLC.

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