Form 5500 · Employee benefit plan · ORLANDO, FL
DARDEN RESTAURANTS, INC.
The filing calls this plan DARDEN RESTAURANTS GROUP LIFE AND BENEFIT PLAN FOR SALARIED EMPLOYEES.
Public Form 5500 records show how DARDEN RESTAURANTS, INC. of ORLANDO, FL, a hospitality and food service employer, structures its employee benefits. Its broker of record is AON INSURANCE AGENCY LLC. Coverage is written through UNITEDHEALTHCARE INSURANCE COMPANY and 23 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 59-3305930 · plan 569 · plan year 2025, filed Jun 4, 2026
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2,208 other employer plans in Florida have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Disability: LIFE INSURANCE COMPANY OF NORTH AMERICA covers 738 of 11,464 participants (6.4%) on Schedule A.
Also declared: severance, death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 33 insured contracts covering health, dental, vision, life and disability; the largest, with UNITEDHEALTHCARE INSURANCE COMPANY, covers 45,450 people.
Reported premium across the insured contracts is $196,437,295, with $2,560,013 in disclosed broker commissions — about 1.3% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
AON INSURANCE AGENCY LLC is the broker of record on 18 of the 33 contracts; the rest name a different broker or none.
24 carriers appear on the filing, including UNITEDHEALTHCARE INSURANCE COMPANY, BLUE CROSS BLUE SHIELD OF FLORIDA, AETNA LIFE INSURANCE COMPANY and CIGNA HEALTH AND LIFE INSURANCE COMPANY. UNITEDHEALTHCARE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA | Health | 3,336 | Jan 1, 2026 | $35,426,241 | $708,525 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 45,450 | Jan 1, 2026 | $56,528,862 | $223,505 |
| METROPOLITAN LIFE INSURANCE COMPANY | Health, Dental, Vision | 13,549 | Jan 1, 2026 | $5,659,470 | $213,630 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 23,323 | Jan 1, 2026 | $4,537,441 | $212,107 |
| DELTA DENTAL INSURANCE COMPANY | Dental | 10,869 | Jan 1, 2026 | $4,478,872 | $179,155 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Dental | 7,067 | Jan 1, 2026 | $4,512,202 | $177,809 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 703 | Jan 1, 2026 | $5,090,399 | $101,793 |
| AETNA LIFE INSURANCE COMPANY | Health | 3,810 | Dec 26, 2025 | $1,345,427 | $74,132 |
| AETNA LIFE INSURANCE COMPANY | Health, Dental | 4,668 | Jan 1, 2026 | $32,500,958 | $73,146 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 2,836 | Jan 1, 2026 | $1,716,710 | $67,996 |
| UPMC HEALTH OPTIONS | Health | 495 | Jan 1, 2026 | $3,033,769 | $59,679 |
| VISION SERVICE PLAN | Vision | 6,314 | Jan 1, 2026 | $1,082,390 | $54,172 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 738 | Jan 1, 2026 | $640,406 | $50,500 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 249 | Jan 1, 2026 | $1,696,449 | $48,187 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Vision | 7,036 | Jan 1, 2026 | $921,785 | $45,696 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 252 | Jan 1, 2026 | $2,028,429 | $40,318 |
| KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | Health | 259 | Jan 1, 2026 | $1,898,745 | $38,264 |
| KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | Health | 267 | Jan 1, 2026 | $1,728,395 | $34,069 |
| MEDICAL MUTUAL | Health | 139 | Jan 1, 2026 | $1,384,120 | $27,804 |
| KAISER FOUNDATION HEALTH PLAN OF COLORADO | Health | 194 | Jan 1, 2026 | $1,296,413 | $25,726 |
| EYEMED VISION CARE | Vision | 6,752 | Jan 1, 2026 | $463,893 | $25,265 |
| KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | Health | 136 | Jan 1, 2026 | $968,470 | $19,436 |
| PRIORITY HEALTH INSURANCE COMPANY | Health | 113 | Jan 1, 2026 | $766,920 | $15,338 |
| DELTA DENTAL INSURANCE COMPANY | Dental | 1,354 | Jan 1, 2026 | $334,089 | $13,320 |
| KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | Health | 76 | Jan 1, 2026 | $586,239 | $11,820 |
| GEISINGER QUALITY OPTIONS, INC. | Health | 61 | Jan 1, 2026 | $427,483 | $8,550 |
| HEALTH NET | Health | 11 | Jan 1, 2026 | $191,165 | $3,822 |
| DEAN HEALTH PLAN INC | Health | 29 | Jan 1, 2026 | $176,300 | $3,543 |
| SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | Health, Dental | 328 | Jan 1, 2026 | $43,780 | $1,590 |
| SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | Health, Dental | 134 | Jan 1, 2026 | $19,352 | $717 |
| SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | Health, Dental | 69 | Jan 1, 2026 | $10,778 | $399 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 2,455 | Jan 1, 2026 | $24,864,602 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 72 | Jan 1, 2026 | $76,741 | $0 |
Premium and claims on these contracts
BLUE CROSS BLUE SHIELD OF FLORIDA, contract B2990*. For the contract year on this filing, the carrier reported $35,426,241 in premium earned and $31,093,611 in claims incurred. Dividing one by the other gives 88%.
VISION SERVICE PLAN, contract 30035268*. For the contract year on this filing, the carrier reported $1,082,390 in premium earned and $718,807 in claims incurred. Dividing one by the other gives 66%.
MEDICAL MUTUAL, contract 0148356-01. For the contract year on this filing, the carrier reported $1,384,120 in premium earned and $2,096,299 in claims incurred. Dividing one by the other gives 151%.
KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC., contract 8109000*. For the contract year on this filing, the carrier reported $968,470 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract B2990* reported $8,665,259 in retention.
- VISION SERVICE PLAN, contract 30035268* reported $249,002 in retention.
- MEDICAL MUTUAL, contract 0148356-01 reported $151,480 in retention.
- KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC., contract 8109000* reported $19,436 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
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