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Domino's Pizza Families: Why a Letter of Instruction Can Simplify Estate Planning

Healthcare Provider Update: Healthcare Provider for Domino's Pizza: Domino's Pizza primarily offers health insurance coverage to its employees through UnitedHealthcare, one of the largest health insurance providers in the United States. Potential Healthcare Cost Increases in 2026: In 2026, Domino's Pizza and its employees may face significant increases in healthcare costs, aligned with projected surges in Affordable Care Act (ACA) marketplace premiums, which are expected to rise by an average of 18%, with some states seeing hikes over 60%. Factors contributing to these increases include the expiration of enhanced federal premium subsidies that currently assist many employees, thereby potentially raising out-of-pocket costs sharply-by over 75% for some individuals. As medical costs continue to climb, these challenges could place a financial strain on both the company and its workforce, possibly affecting employee retention and satisfaction. Click here to learn more

'Domino's Pizza employees can bring more clarity to their estate plans by using a well-organized letter of instruction, which is a practical way to help families navigate important decisions with greater confidence.' — Michael Corgiat, a representative of The Retirement Group, a division of Wealth Enhancement.

'Domino's Pizza employees can create a smoother transition for their families by using a clear letter of instruction, which can be an effective way to support loved ones during estate administration.' — Brent Wolf, a representative of The Retirement Group, a division of Wealth Enhancement.

In this article, we will discuss:

Why a letter of instruction can support your estate plan.
What to include in a letter of instruction.
How Domino's Pizza employees can use a letter of instruction to help streamline estate administration.

Important Lessons

Estate planning documents like a will and a revocable trust are important, but they might not give your family all the information they need to handle your affairs when you pass away, especially for Domino's Pizza employees with complex benefits.

In addition to an estate plan, a letter of instruction can offer your loved ones more information about your assets and personal preferences.

A letter of instruction can contain additional details, such as burial plans and the placement of essential documents, but it should not conflict with your estate planning documents.

Your loved ones might not know who to call, where to find your assets, or how to recognize reputable creditors if something were to happen to you today. By providing clear, supplemental guidance, a letter of instruction can help reduce the stress and work involved in the estate administration process.

A Letter of Instruction: What Is It?

A letter of instruction is an informal document outlining your assets and last wishes, sent to an executor, personal representative, or family members. It adds helpful information not included in legally binding estate planning documents like a will or revocable trust. For Domino's Pizza employees managing multiple retirement and savings plans, a letter of instruction can help simplify administration for family members, even though it is not legally required.

Since this letter is informal, it can be updated without consulting an attorney as circumstances change over time. It can contain supplementary information that supports your estate plan, but it should not contradict anything in your legal estate planning documentation.

How to Compose an Instructional Letter

Funeral Plans

You might provide information about your preferred funeral or burial type, funeral home, clergy member, music, speakers, or tribute. You can also include details about pre-paid or pre-arranged funeral or burial plans and where related paperwork is located. Some people also provide biographical details—something Domino's Pizza retirees can include for clarity.

Crucial Records

You can note the location of your Social Security card, recent bank account statements, deeds, titles, mortgage documents, important records, and estate planning documents. Some individuals also indicate where to find recent tax returns, which may help identify assets or income sources. If these documents are stored in a lockbox or vault, providing access instructions may be helpful.

Contact Details for Financial Representatives

The names and contact information for bankers, tax preparers, lawyers, insurance agents, real estate agents, and financial advisors can be included in the letter. These professionals can assist with background information, asset identification, account transfers, and final tax filings.

Details of the Assets

You can list your assets’ locations, titling, identifying details, and current values. This may include real estate, stock certificates, savings bonds, annuities, time shares, bank accounts, brokerage accounts, retirement accounts, company interests, safe deposit boxes, life insurance, and personal belongings with monetary or sentimental value.

Computer Files and Online Accounts

You may wish to list your digital files and accounts and designate a successor in your estate planning documents to manage them, since state and federal laws may limit access without written approval. For Domino's Pizza retirees who store retirement and benefits information online, this documentation may help reduce challenges.

Details of Debt

You can include information regarding your debts, such as account numbers, balances, statements, and lender contact details.

Beneficiary Details

The beneficiaries listed in your estate plan, along with their contact details, may be included in the letter. This makes it easier for an executor to locate and communicate with those who will receive assets—an important step for families with Domino's Pizza retirement accounts.

Pets

You can specify who you want to care for your pets and any specific instructions if your estate documents do not mention them. You may also include your veterinarian’s contact information.

Distribution List for Personal Property

Some states allow individuals to draft a separate document listing specific items of tangible personal property and their intended recipients, as long as the will references the list. Even in states where this is not legally binding, a letter of instruction can still guide your executor and help minimize disagreements.

Private Notes and Clarification of Goals

Some people include private notes or explanations for their decisions regarding inheritance or financial principles. Although not legally binding, these notes can help prevent misunderstandings.

What Does a Letter of Instruction Not Need to Include?

A letter of instruction should not repeat information already found in your estate planning documents. It is intended to provide additional details only.

It also should not be used to make changes to legally enforceable estate documents. Informal updates are not binding and may create conflicts.

Where to Store Your Instruction Letter

You can keep a copy of the letter with your estate planning papers, provide one to your lawyer, or place it somewhere your family is likely to look first. You can also share a copy with your executor and discuss it with them if you feel comfortable. Updating the letter each year is useful as assets and personal information change—particularly for Domino's Pizza employees with evolving retirement benefits.

Do You Need Guidance?

The Retirement Group can help you prepare for retirement if you are updating or creating your estate plan and want assistance organizing your family’s financial information. Call us at (800) 900-5867 .

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Articles you may find interesting:

Sources:

1. Parker, Craig. “How to Write a Letter of Instruction: A Step-by-Step Guide.” Trust & Will, n.d.,
https://trustandwill.com/learn/how-to-write-a-letter-of-instruction . Accessed 1 Dec. 2025.

2. AARP Education & Outreach. “State Your Intentions With a Letter of Instruction.” AARP, 9 Nov. 2022,
https://www.aarp.org/money/retirement/letter-of-instruction/ . Accessed 1 Dec. 2025.

3. Kuffel, Hunter. “Writing a Letter of Instruction for Your Estate Plan.” SmartAsset, 12 Oct. 2025,
https://smartasset.com/estate-planning/letter-of-instruction . Accessed 1 Dec. 2025.

4. McDonald Jacobs. “Letter of Instruction in Estate Planning.” McDonald Jacobs: Portland, Oregon Accountants & Business Consultants, n.d.,
https://www.mcdonaldjacobs.cpa/letter-of-instruction-in-estate-planning/ . Accessed 1 Dec. 2025.

What is the 401(k) plan offered by Domino's Pizza?

The 401(k) plan at Domino's Pizza is a retirement savings plan that allows employees to save a portion of their paycheck before taxes are taken out.

How can employees of Domino's Pizza enroll in the 401(k) plan?

Employees can enroll in the Domino's Pizza 401(k) plan by completing the enrollment process through the company's benefits portal or by contacting the HR department for assistance.

Does Domino's Pizza match employee contributions to the 401(k) plan?

Yes, Domino's Pizza offers a matching contribution to the 401(k) plan, which helps employees grow their retirement savings.

What is the maximum contribution limit for the Domino's Pizza 401(k) plan?

The maximum contribution limit for the Domino's Pizza 401(k) plan follows the IRS guidelines, which can change annually. Employees should check the current limits for the year.

Can employees of Domino's Pizza take loans against their 401(k) savings?

Yes, Domino's Pizza allows employees to take loans against their 401(k) savings, subject to certain terms and conditions outlined in the plan documents.

What investment options are available in the Domino's Pizza 401(k) plan?

The Domino's Pizza 401(k) plan offers a variety of investment options, including mutual funds, target-date funds, and other investment vehicles to help employees diversify their portfolios.

How often can employees change their contribution percentage in the Domino's Pizza 401(k) plan?

Employees can change their contribution percentage to the Domino's Pizza 401(k) plan at any time, typically through the benefits portal or by contacting HR.

What happens to my 401(k) savings if I leave Domino's Pizza?

If you leave Domino's Pizza, you have several options for your 401(k) savings, including rolling it over to another retirement account, cashing it out, or leaving it in the Domino's Pizza plan if allowed.

Is there a vesting schedule for the employer match in the Domino's Pizza 401(k) plan?

Yes, the employer match in the Domino's Pizza 401(k) plan may be subject to a vesting schedule, which means employees must work for a certain period before they fully own the matched funds.

How can employees monitor their 401(k) accounts with Domino's Pizza?

Employees can monitor their 401(k) accounts through the online benefits portal provided by Domino's Pizza, where they can view balances, investment performance, and make changes.

With the current political climate we are in it is important to keep up with current news and remain knowledgeable about your benefits.

Domino's Pizza offers a 401(k) savings plan for its employees, known as the Domino's Pizza 401(k) Savings Plan. This plan has been in place since 1984 and provides several benefits, including an employer match. In 2022, the employer match rate was approximately 57.53% of employee contributions, with a total allocation of $12,901,384 towards matching contributions. The plan's total assets by the end of 2022 were $353,603,679, with an average participant account value of $25,666. This 401(k) plan is the primary retirement savings vehicle for Domino's Pizza employees, allowing participants to defer a portion of their salary, with Domino's providing matching contributions to support employee retirement goals. The plan includes features like default investments for those who do not select their own options. As for the company's pension plans, specific details regarding eligibility, years of service, and age qualifications were not prominently featured in the sources. The primary focus appears to be on the 401(k) savings plan, which acts as the main retirement plan for employees.

News: In 2023-2024, Domino's Pizza faced several significant changes. The company experienced a decline in global revenue, with a reported 1% drop in the last quarter of 2023. This shortfall was attributed to staffing shortages, which led to reduced store hours and affected customer service. Additionally, the CEO, Ritch Allison, announced his retirement in early 2024, with Russell Weiner taking over as the new CEO. These changes were compounded by ongoing challenges such as higher costs and labor shortages, which have strained the company's operational efficiency. Importance: It is critical to address this news because the current economic environment is challenging for businesses, especially with rising operational costs and labor market volatility. Understanding these changes is vital for stakeholders, particularly in light of the ongoing shifts in consumer behavior, tax implications, and investment strategies as the company navigates these economic challenges.

For Domino's Pizza, stock options and Restricted Stock Units (RSUs) have been consistently offered to employees, particularly focusing on higher-level management. The stock options are typically tied to performance metrics and vest over a specific period, while RSUs are generally awarded based on continued employment. The latest information for 2022, 2023, and 2024 shows that both stock options and RSUs continue to be integral parts of Domino's compensation strategy, with eligibility primarily for executives and key personnel.

Domino's Pizza offers a range of health benefits to its employees, which have been tailored to meet the needs of different worker categories, including full-time and part-time team members. For the years 2022, 2023, and 2024, these benefits include standard healthcare offerings such as medical, dental, and vision coverage, as well as more specialized options like health savings accounts (HSAs) and wellness programs aimed at promoting overall well-being. A key aspect of Domino's health benefits strategy is transparency in coverage, which is highlighted through their adherence to the Transparency in Coverage rules, allowing employees to access detailed information about their healthcare plans. This initiative is part of Domino's broader commitment to "putting people first," as outlined in their stewardship reports from 2022 and 2023. Domino's has also been proactive in addressing rising healthcare costs, a common concern across the industry. In 2023, the company faced higher insurance costs, which were one of the contributing factors to increased labor expenses. Despite these challenges, Domino's has worked to maintain a competitive benefits package to support its employees' health and well-being. Recent developments in employee healthcare include adjustments to insurance premiums and a focus on mental health resources, reflecting broader trends in the corporate benefits landscape. Additionally, Domino's has been updating its employee resources and communication channels to ensure that team members are fully informed about their health benefits and how to utilize them effectively.

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Check Out Articles for Domino's Pizza employees

For more information you can reach the plan administrator for Domino's Pizza at 30 Frank Lloyd Wright Dr Ann Arbor, MI 48106; or by calling them at (734) 930-3030.

https://pitchbook.com/profiles/company/11710-18 https://pizzatoday.com/topics/industry-news/2024-pizza-industry-trends-report/ https://www.myplaniq.com/invest/planinfo/dominos-pizza-401k-savings-plan/ https://annualreport.stocklight.com/nyse/dpz/23655957.pdf https://ir.dominos.com/ https://www.thelayoff.com/t/1dLvHWkc https://www.cashbalancedesign.com/resources/contribution-limits/ https://www.theretirementgroup.com/featured-article/5448068/how-can-dominos-pizza-professionals-reduce-their-tax-burden https://www.sec.gov/Archives/edgar/data/1286681/000095017023003938/dpz-ex10_18.htm https://www.kiplinger.com/