Form 5500 · Employee benefit plan · SEATTLE, WA
STARBUCKS CORPORATION
The filing calls this plan STARBUCKS CORPORATION WELFARE BENEFITS PLAN.
Public Form 5500 records show how STARBUCKS CORPORATION of SEATTLE, WA, a retail employer, structures its employee benefits. Its broker of record is AON INSURANCE AGENCY LLC. Coverage is written through UNITEDHEALTHCARE INSURANCE COMPANY and 26 other carriers. The plan's most recent policy period ended in September.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 91-1325671 · plan 506 · plan year 2025, filed Apr 23, 2026
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114 other employer plans in Washington have policy years ending in September. 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
Health: the largest of the 26 insured health contracts, with UNITEDHEALTHCARE INSURANCE COMPANY, covers 18,821 of 211,247 participants (8.9%) on Schedule A.
Dental: the largest of the 13 insured dental contracts, with UNITEDHEALTHCARE INSURANCE COMPANY, covers 18,821 of 211,247 participants (8.9%) on Schedule A.
Vision: the largest of the 6 insured vision contracts, with UNITEDHEALTHCARE INSURANCE COMPANY, covers 18,821 of 211,247 participants (8.9%) on Schedule A.
Also declared: 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 35 insured contracts covering health, dental, vision, life and disability.
Reported premium across the insured contracts is $774,935,475, with $9,950,194 in disclosed broker commissions — about 1.3% of premium.
The most recent policy period ended in September, and the plan year ends September 30. Group contracts typically renew on that annual cycle.
AON INSURANCE AGENCY LLC is the broker of record on 16 of the 35 contracts; the rest name a different broker or none.
27 carriers appear on the filing, including UNITEDHEALTHCARE INSURANCE COMPANY, PREMERA BLUE CROSS, CIGNA HEALTH AND LIFE INSURANCE COMPANY and AETNA LIFE INSURANCE COMPANY. UNITEDHEALTHCARE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNITEDHEALTHCARE INSURANCE COMPANY | Health, Dental, Vision | 18,821 | Oct 1, 2025 | $205,381,690 | $2,626,741 |
| PREMERA BLUE CROSS | Health | 14,506 | Oct 1, 2025 | $165,069,250 | $1,980,094 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 10,312 | Oct 1, 2025 | $103,584,020 | $1,242,935 |
| AETNA LIFE INSURANCE COMPANY | Health, Dental | 10,504 | Oct 1, 2025 | $82,593,741 | $1,075,932 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 7,309 | Oct 1, 2025 | $49,036,694 | $546,698 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 4,489 | Oct 1, 2025 | $37,763,464 | $419,765 |
| METROPOLITAN LIFE INSURANCE COMPANY | Health, Dental, Vision | 21,626 | Oct 1, 2025 | $11,401,292 | $356,733 |
| DELTA DENTAL OF WASHINGTON | Dental | 9,592 | Oct 1, 2025 | $7,294,976 | $217,080 |
| KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | Health | 2,643 | Oct 1, 2025 | $19,681,194 | $209,904 |
| DELTA DENTAL OF WASHINGTON | Dental | 16,255 | Oct 1, 2025 | $6,568,567 | $195,855 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 9,767 | Oct 1, 2025 | $6,378,261 | $189,523 |
| VISION SERVICE PLAN | Vision | 19,020 | Oct 1, 2025 | $3,234,945 | $161,700 |
| UPMC HEALTH OPTIONS | Health | 1,562 | Oct 1, 2025 | $11,425,182 | $133,706 |
| KAISER FOUNDATION HEALTH PLAN OF COLORADO | Health | 1,243 | Oct 1, 2025 | $8,495,719 | $101,171 |
| KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | Health | 1,060 | Oct 1, 2025 | $7,159,229 | $85,000 |
| MEDICAL MUTUAL | Health | 1,218 | Oct 1, 2025 | $6,470,694 | $77,714 |
| EYEMED VISION CARE | Vision | 21,016 | Oct 1, 2025 | $1,445,734 | $71,698 |
| KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | Health | 688 | Oct 1, 2025 | $4,544,322 | $54,031 |
| KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | Health | 828 | Oct 1, 2025 | $6,259,995 | $43,735 |
| HEALTH NET | Health | 328 | Oct 1, 2025 | $3,585,201 | $42,900 |
| DELTA DENTAL OF WASHINGTON | Dental | 2,040 | Oct 1, 2025 | $574,640 | $17,275 |
| GEISINGER QUALITY OPTIONS, INC. | Health | 151 | Oct 1, 2025 | $1,439,135 | $17,270 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental, Vision | 1 | Oct 1, 2025 | $120,990 | $16,939 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental, Vision | 26 | Oct 1, 2025 | $393,088 | $16,750 |
| DENTEGRA INSURANCE COMPANY | Dental | 2,561 | Oct 1, 2025 | $519,156 | $15,537 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 200 | Oct 1, 2025 | $1,129,692 | $13,682 |
| DEAN HEALTH PLAN INC | Health | 128 | Oct 1, 2025 | $865,194 | $11,425 |
| PREVEA360 HEALTH PLAN | Health | 52 | Oct 1, 2025 | $356,948 | $4,733 |
| SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | Health, Dental | 759 | Oct 1, 2025 | $95,212 | $2,830 |
| SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | Health, Dental | 118 | Oct 1, 2025 | $15,799 | $476 |
| SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | Health, Dental | 103 | Oct 1, 2025 | $12,125 | $362 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Disability | 29,641 | Oct 1, 2025 | $10,156,837 | $0 |
| HARTFORD LIFE AND ACCIDENT | Life | 161,531 | Oct 1, 2025 | $6,699,160 | $0 |
| HAWAII MEDICAL SERVICE ASSOCIATION | Health | 845 | Oct 1, 2025 | $4,738,935 | $0 |
| HARTFORD LIFE AND ACCIDENT | — | 9,821 | Oct 1, 2025 | $444,394 | $0 |
Premium and claims on these contracts
DELTA DENTAL OF WASHINGTON, contract 03892. For the contract year on this filing, the carrier reported $7,294,976 in premium earned and $5,565,803 in claims incurred. Dividing one by the other gives 76%.
KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC., contract 6743600. For the contract year on this filing, the carrier reported $19,681,194 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
DELTA DENTAL OF WASHINGTON, contract 03891. For the contract year on this filing, the carrier reported $6,568,567 in premium earned and $5,326,154 in claims incurred. Dividing one by the other gives 81%.
VISION SERVICE PLAN, contract 30066510. For the contract year on this filing, the carrier reported $3,234,945 in premium earned and $2,514,496 in claims incurred. Dividing one by the other gives 78%.
MEDICAL MUTUAL, contract 0147283-01. For the contract year on this filing, the carrier reported $6,470,694 in premium earned and $4,893,844 in claims incurred. Dividing one by the other gives 76%.
DELTA DENTAL OF WASHINGTON, contract 03890. For the contract year on this filing, the carrier reported $574,640 in premium earned and $438,088 in claims incurred. Dividing one by the other gives 76%.
- DELTA DENTAL OF WASHINGTON, contract 03892 reported $598,188 in retention.
- KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC., contract 6743600 reported $0 in retention.
- DELTA DENTAL OF WASHINGTON, contract 03891 reported $538,622 in retention.
- VISION SERVICE PLAN, contract 30066510 reported $663,117 in retention.
- MEDICAL MUTUAL, contract 0147283-01 reported $628,358 in retention.
- DELTA DENTAL OF WASHINGTON, contract 03890 reported $47,121 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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