Open Enrollment is November 3–17, 2025

Here’s our hot take on what you need to know for this year’s Open Enrollment:

• Open Enrollment begins Monday, November 3 and ends Monday, November 17.
• If you do not take action during the Open Enrollment period, your benefits from 2025 will continue in 2026, EXCEPT any Flexible Spending Account (FSA) elections. You must re-enroll in the FSA every year.
• Visit mykkbenefits.com to review your elections and/or enroll.
• We’re making some changes to our benefits for 2026 that you’ll want to learn about. Be sure to sample them before you place your order!
• If you’re a full-time Krispy Kremer, you can sweeten your contribution to the Health Care FSA and HSA.
  • The Health Care FSA (General and Limited Purpose) maximum contribution is $3,400 for 2026.
  • The Dependent Care FSA maximum contribution has increased to $7,500 for 2026.
  • The IRS limits the amount you may contribute to your HSA each year. The limit for 2026 is $4,400 for employee-only coverage and $8,750 for family coverage.* But remember! Krispy Kreme also contributes to your HSA if you’re enrolled in the Original HSA Plan.
• All Krispy Kremers can increase the amount they contribute to their 401(k) plans. The maximum will be $24,500 in 2026, with an additional $8,000 allowed if you’re over 50, and an additional $12,000 for ages 60 to 63.
• Don’t forget that all Krispy Kremers—full and part-timers—have an additional FREE, virtual medical care option with ReviveHealth. You can use ReviveHealth no matter which medical plan you elect.
• Have you taken advantage of Bright Horizons yet? If you need backup childcare, Krispy Kreme gives you up to 10 backup care days through the Bright Horizons network. There are additional benefits through Bright Horizons, too—like virtual tutoring, pet sitters and housekeeping services. Check it out!
• Make sure your personal information (email address, phone number and home mailing address) is up to date in the system.
• Confirm that Social Security numbers and birth dates are accurate for all the dependents you’re covering in 2026.
• If you need help or have any questions, call the Benefits Center at 855-730-8654.
• The benefit elections you make during Open Enrollment go into effect on January 1, 2026.

* If you’re 55 or older, the limit is $5,400 for employee-only coverage and $9,750 for family coverage.

Changes in Medical Plan Premiums

We have a new Mini Plan carrier (see below). Based on your coverage level, you will see an increase or decrease in premiums. However, all other medical plan premiums are increasing slightly in 2026.

Mini Plan: New Mini-Plan Partner

We are pleased to announce a new carrier for our Mini Plan—BCS Insurance Company. BCS Insurance Company is a national carrier that will be replacing Symetra on January 1, 2026. If you are currently enrolled in the Mini Plan and you do not make a change to a different medical plan during Open Enrollment, you will automatically be enrolled in the same coverage level you had in 2025 but with BCS Insurance instead of Symetra.

Remember, unlike our other Cigna medical plans, the Mini Plan provides basic medical coverage up to an allowance. It’s like a bite-sized treat. You can view plan highlights below. BCS will mail enrollment kits in December with information on how to register on the member portal.

Mini Plan Improvements!

• Higher allowance. In 2026, Krispy Kremers will have a larger annual maximum limit of $5,000, rather than maximums per day or per person. This will give you more flexibility in how you use your benefits.
• Increases to benefit amounts. We’re filling your benefits with even more value! Outpatient doctor’s office visit (up to $125, no per-year maximum); increases in ambulance (ground) transportation benefit (up to $500 per day instead of $250 per day) and $30 per day for outpatient prescription drugs (instead of $15 per day for brand-name and $5 for generic drugs).
• Expanded telemedicine benefits. Your new Mini Plan covers telemedicine visits the same as it does for any other outpatient physician visit (instead of just three visits per year).

Kreme Filled OAP Plan Benefit Changes

If you’re enrolled in the Kreme Filled OAP medical plan, you’ll see a few changes for 2026.

• Deductible increase. The Kreme Filled plan will have a higher deductible for both individuals and families. The individual amount will increase from $1,000 to $1,250 and the family amount will increase from $3,000 to $3,500. As a reminder, the deductible is the amount you need to meet before the medical plan kicks in and pays its share. Some services, like preventive care exams, do not require you to meet your deductible first.
• Copays for primary and specialist care. If you visit your primary care doctor in 2026, the copayment will increase from $30 to $35. If you see a specialist, the copay amount increases from $50 to $55.

Open Enrollment is your chance to enroll in your benefits for the coming year. So be sure to sink your teeth into all the delicacies we offer full-time and part-time Krispy Kremers, and then head to mykkbenefits.com to pick your favorites for 2026.

You won’t be able to make changes to these benefits again until next year’s Open Enrollment, unless you experience a life-status change, like getting married or having a baby. Dough-not wait—make your benefits elections before the enrollment period closes on November 17.

Here’s what you can elect and/or change during this Open Enrollment period:

Medical. Krispy Kreme offers several options for medical coverage, designed to meet the needs of all Krispy Kremers. For more details, see “Your Krispy Kreme Medical Plans.”

Health Savings Account (HSA). If you’re enrolled in either the Original or Sprinkles HSA Plan in 2026, you can set aside up to $4,400 tax-free (employee-only coverage) or $8,750 tax-free (if you’re covering family members). If you’re enrolled in the Original HSA Plan, Krispy Kreme will contribute $62.50 per quarter to your account for employee only coverage, or $125 per quarter for family coverage. If you’re 55 or older, you can sweeten the deal even more—you can contribute up to $5,400 (employee only) or $9,750 (family) in 2026.

Dental. Krispy Kremers can still elect either the Core plan or the Premium plan to keep their chompers in check.

Vision. Don’t let your eyes glaze over! You have two EyeMed vision plan options to help you see clearly: the Standard plan and the Premier plan. And we’re happy to report there will be no increase in premiums in 2026.

Flexible Spending Accounts (FSAs). You dough-not want to miss this great savings opportunity. FSAs are tax-savings accounts for health care and/or dependent care expenses. You’ll be able to contribute up to $3,400 to a Health Care FSA or up to $7,500 to a Dependent Care FSA in 2026. If you have an HSA, you can contribute up to $3,400 to a Limited Purpose Health Care FSA, which can be used for dental and vision expenses but not medical expenses.

Life Insurance. Basic life insurance is provided to full-time Krispy Kremers, but you can elect to supplement your basic coverage with additional insurance for yourself or your dependents. Don’t let your loved ones get lost in the dough—make sure your beneficiary information is up to date!

Accidental Death and Dismemberment. You may elect coverage in increments of $10,000, up to the lesser of $500,000 or 10 times your annual pay.

Disability. Full-time hourly Krispy Kremers can elect disability insurance to receive a portion of their paychecks while out on short- or long-term disability. Full-time salaried Krispy Kremers will receive short- and long-term disability coverage at no cost in 2026. That’s a sweet safety net!

Group Accident. If you elect group accident insurance, you’ll be eligible to receive a benefit to help cover the costs of treatment if you’re in an accident. Because sometimes life throws you a curveball—or a doughnut hole!

Critical Illness and Hospital Indemnity. These benefits pay a lump-sum amount to you if you’re diagnosed with a critical illness or admitted to the hospital.

Pet Insurance. Protect yourself from the high cost of pet health care by electing one of our two pet insurance plans: Accident Only or Accident and Illness. To be eligible for the Accident and Illness benefit, your pet must be no older than 10 years.

More Sweetness

While you don’t need to enroll in these tasty treats during Open Enrollment, you may want to give them a second look, since they’re being sweetened:

Free Virtual Mental Health Visits. Did you know that ReviveHealth offers more than just virtual primary care? You can also get personalized support from professionals with deep expertise in stress management, anxiety, and burnout. Because we can all feel fried from time to time. Find out more.

Bright Horizons. Bright Horizons is now available to full AND part-timer Krispy Kremers, and their offerings are expanding. Bright Horizons still provides child, elder and pet backup care, but now you’ll also have access to virtual tutoring services and a return-to-work program. Register today!

Quitting Tobacco. If you’re enrolled in one of our Cigna medical plans (the Original, Sprinkles, or Kreme Filled) and you need help quitting tobacco, Cigna offers a free support program that can help you reach your goals. The best part of quitting is feeling and being healthy, but the icing on top is that you’ll also get a refund on your tobacco surcharge if you complete the program and submit the letter of attestation. Sweet victory!

Tuition Reimbursement. Ready to rise to the occasion? Full-time Krispy Kremers who have worked at least 30 hours per week at Krispy Kreme continuously for at least a year are eligible to take advantage of our Educational Reimbursement Program. Pick an accredited institution and select a program or course(s) related to your current job at Krispy Kreme to strengthen your job-related knowledge, enhance your professionalism, and improve your opportunities for career development. Find out more.

As a Krispy Kremer, you have a sweet selection of medical plans and can change your election each year during Open Enrollment. Here’s a sampling of your plans for 2026.

Original HSA Plan (Cigna OAP Network)

Available for Full-Time Krispy Kremers

Aside from the Mini Plan, the Original HSA Plan offers the lowest premiums, but it has a higher deductible and out-of-pocket maximum than our other plans. It also offers a Health Savings Account (HSA), a great way for you to save on medical expenses by using pretax dollars. And Krispy Kreme sprinkles a quarterly contribution into your HSA:

• $62.50 per quarter – employee only coverage
• $125 per quarter – family coverage, employee + children coverage or employee + spouse coverage

2026 Weekly Paycheck Contributions

Sprinkles HSA Plan (Cigna OAP Network)

Available for Full-Time Krispy Kremers

Like the Original HSA Plan, the Sprinkles HSA Plan lets you contribute to a Health Savings Account (HSA) for additional savings.

2026 Weekly Paycheck Contributions

Kreme Filled Open Access Plus (OAP) Plan

Available for Full-Time Krispy Kremers

The richest plan we offer is the Kreme Filled OAP Plan. This plan may be best for you if you have a lot of medical expenses, because although you pay higher premiums, you generally pay less out of pocket at the time of service.

2026 Weekly Paycheck Contributions

ReviveHealth

Available for Full- and Part-Time Krispy Kremers

Both full- and part-time Krispy Kremers can take advantage of ReviveHealth, a free medical benefit that offers virtual medical care through a convenient member portal. Once enrolled, you pay zero dough for premiums or for services (like deductibles, coinsurance or copays). ReviveHealth isn’t meant to replace your medical coverage. It’s an inexpensive and convenient alternative to fill the holes in your medical coverage.

So, what’s inside the box? If you enroll in ReviveHealth, you and covered dependents (legal spouse and dependent children ages 2–26) will have access to virtual primary care. Primary care appointments are available Monday through Friday from 8 a.m. to 5 p.m. ET. Your coverage includes up to 12 virtual primary care visits per member per year, as well as 12 care visits per covered child per year. Yep, that’s a dozen of each—just like your favorite box of doughnuts!

No need to sugarcoat it: This benefit is FREE to all Krispy Kremers!

Mini Plan

Available for Full- and Part-Time Krispy Kremers

The Mini Plan will reimburse you up to a maximum for certain services. For example, a doctor’s office visit is paid in full, up to $125. If your doctor’s office visit is less than $125, you’ll pay nothing out of pocket. If your visit is more, you’ll be responsible for the amount over $125.

2026 Weekly Paycheck Contributions

Let’s Compare

Here’s a quick comparison of your plan options as a Krispy Kremer.

*This limited plan has a $5,000 calendar-year maximum that the plan will pay.

Weekly Premiums by Plan

Open Enrollment is November 3–17, 2025. These two weeks are your once-a-year chance to review our plans and programs for the upcoming year and select fresh benefits for 2026. (That includes you, too, part-time Krispy Kremers!)

Here’s your recipe for success for this two-week period:

• Explore your benefits options by reviewing all the info on this site.
• Visit mykkbenefits.com to enroll in or make changes to your benefits from November 3 through November 17. You can enroll online until 11:59 p.m. on November 17.
• You must use a desktop computer to access mykkbenefits.com to complete your enrollment. You can also call Krispy Kreme’s Benefits Center at 855-730-8654 to make your elections.
• Review and, if necessary, update your life insurance and 401(k) beneficiaries. 401(k) beneficiaries must be updated on the Fidelity website.
• Print or save your confirmation statement when you’re done! The changes you make are effective January 1, 2026, and your first paycheck in January will show your new deductions.

Open Enrollment Meetings

Want to learn more? Open enrollment meetings will be held on the following dates/times:

• November 6, 2025 @ 1pm
• November 12, 2025 @ 11am

Interested in attending? Email kkbenefits@krispykreme.com for an invite!

Need help? Call the Benefits Center at 855-730-8654, or contact Cigna One Guide (full-time Krispy Kremers only) at 888-806-5042 for personalized one-on-one guidance on choosing a medical plan that’s right for you. They’re happy to help you fill the holes in your benefits knowledge.