Brinker International, Inc.

• This employer files 2 health plans for this group; we judged them together.

1. Brinker International, Inc. Welfare Benefit Plan · 16,810 people · Both kinds

   • The filing says benefits are paid from the employer's general assets.
   • Medical insurance bought from Kaiser Permanente is on file, covering about 383 people.
   • We ignored a small insurance contract with Health Services covering about 11 people; it is too small to be the main plan.
   • Medical insurance is on file, but the plan also pays benefits from the employer's own money, so some options are likely self-funded.
   • The insured options cover only about 2% of the 16,810 participants, so most people in this plan are in the self-funded part.

2. Bi Payroll Company Part Time Ee Health & Welfare Plan · 1,662 people · Self-funded · federal rules

   • The filing lists stop-loss insurance (Nationwide Life Insurance). Employers buy stop-loss only when they pay claims out of their own money.
   • No medical insurance contract is on file (Schedule A).
   • The filing says all benefits are paid through insurance contracts.

Double-check in 30 seconds: “Self-funded”, “administered by” or “ASO” on your card or plan summary means self-funded. “Insured by” or “underwritten by” means insured.