Healthcare Provider Update: Healthcare Provider for Topgolf Callaway Brands Topgolf Callaway Brands partners primarily with UHC (UnitedHealth Group) for employee healthcare coverage. As one of the major players in the insurance market, UHC provides various healthcare plans to Topgolf employees, giving them access to a wide range of medical services and resources. Potential Healthcare Cost Increases in 2026 for Topgolf Callaway Brands As we approach 2026, Topgolf Callaway Brands employees may face significant increases in healthcare costs driven by a combination of factors. Premiums in the ACA marketplace are projected to rise sharply, with some states seeing hikes exceeding 60%. If enhanced federal subsidies are not renewed, 92% of policyholders could potentially see their out-of-pocket premiums surge by over 75%. Consequently, Topgolf employees should prepare for these financial strains by reviewing their health benefits and exploring strategies to mitigate increased expenses effectively. Click here to learn more
How Topgolf Callaway Brands employees can navigate federal student loan repayment: This article provides a framework for Topgolf Callaway Brands employees to understand the current federal student loan landscape and make the most of available repayment options and employer benefits, suggests Tyson Mavar, a representative from The Retirement Group, a division of Wealth Enhancement Group.
Wesley Boudreaux of The Retirement Group, a division of Wealth Enhancement Group, advises Topgolf Callaway Brands employees with federal student loans to take stock of their current repayment plan and explore the updated options available now that the pandemic-era payment pause has ended.
In this article, we will cover:
The end of the federal student loan payment pause: A summary of the pandemic-era moratorium and what happened when repayment resumed.
The effects on Topgolf Callaway Brands employees: How the current repayment environment affects both personal and Parent PLUS Loans.
New employer benefits and available programs: What Topgolf Callaway Brands employees can take advantage of under current law.
Background: The student loan payment pause has ended.
Federal student loan repayment resumed on September 1, 2023, after more than three years of pandemic-era relief. The COVID-19 payment pause, which began in March 2020 under the CARES Act, was extended multiple times. After the U.S. Supreme Court's June 2023 ruling blocked broad student loan cancellation, the final pause ended and repayment restarted. The Department of Education implemented a one-year on-ramp period through October 2024, during which missed payments did not trigger credit reporting -- but interest continued to accrue. As of late 2024, standard monthly repayment is fully in effect for all Topgolf Callaway Brands employees with federal student loans.
Topgolf Callaway Brands employees nearing retirement should be aware that Parent PLUS Loans -- federal loans that parents can take out to help pay for their children's education -- resumed repayment along with all other federal loans in 2023. Income-driven repayment (IDR) options remain available for eligible borrowers. Topgolf Callaway Brands employees should note, however, that the Saving on a Valuable Education (SAVE) plan -- introduced in 2023 as the most generous IDR option -- was blocked by federal courts in 2024 and is currently in administrative forbearance while legal challenges are resolved. Time spent in SAVE forbearance does not count toward Public Service Loan Forgiveness (PSLF), and borrowers cannot make qualifying PSLF payments while in the plan. Two other IDR plans -- Income-Contingent Repayment (ICR) and Pay As You Earn (PAYE) -- are being phased out and will end in mid-2028. The standard 10-year repayment plan and Income-Based Repayment (IBR) remain fully available.
Does interest accrue during current forbearance periods?
Yes. Unlike the pandemic-era pause, the SAVE administrative forbearance does accrue interest. Topgolf Callaway Brands employees enrolled in SAVE who are in administrative forbearance may wish to consider voluntary payments to prevent interest buildup.
Do private student loans qualify for income-driven repayment?
No. Topgolf Callaway Brands employees should remember that private student loans are not eligible for federal IDR plans, PSLF, or federal forbearance protections. Only federal government-held loans -- including Federal Direct Loans, Federal Perkins Loans, and FFEL Program loans held by the Department of Education -- are eligible.
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Topgolf Callaway Brands employees whose employer offers student loan repayment assistance should be aware of a significant development: the One Big Beautiful Bill Act (OBBBA), signed into law in July 2025, permanently extended the employer benefit allowing companies to contribute up to $5,250 per year toward an employee's student loan repayment on a tax-free basis. This benefit was originally a temporary CARES Act provision. Topgolf Callaway Brands employees are encouraged to check with their HR department to determine whether this benefit is available and to contact their loan servicer to review their current repayment plan status.
Sources:
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U.S. Department of Education. 'Federal Student Loan Payment Restart.' StudentAid.gov, 2023, studentaid.gov/announcements-events/covid-19 .
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U.S. Department of Education. 'Repayment Plans.' StudentAid.gov, 2025, studentaid.gov/manage-loans/repayment/plans .
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NPR. 'Federal student loans are changing. Here’s what to expect in 2026.' NPR, December 2025, www.npr.org .
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U.S. Congress. One Big Beautiful Bill Act. Signed July 2025.
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Federal Reserve Bank of New York. 'Household Debt and Credit Report.' Federal Reserve Bank of New York, Q4 2025, www.newyorkfed.org/microeconomics/hhdc .
What type of retirement savings plan does Topgolf Callaway Brands offer to its employees?
Topgolf Callaway Brands offers a 401(k) retirement savings plan to its employees.
How can employees of Topgolf Callaway Brands enroll in the 401(k) plan?
Employees of Topgolf Callaway Brands can enroll in the 401(k) plan through the company’s HR portal or by contacting the HR department for assistance.
Is there a company match for contributions made to the 401(k) plan at Topgolf Callaway Brands?
Yes, Topgolf Callaway Brands provides a company match for employee contributions to the 401(k) plan, subject to certain limits.
What is the minimum contribution percentage required for employees at Topgolf Callaway Brands to receive the company match?
Employees at Topgolf Callaway Brands typically need to contribute at least 3% of their salary to qualify for the company match.
Can employees of Topgolf Callaway Brands choose how their 401(k) contributions are invested?
Yes, employees of Topgolf Callaway Brands can select from a variety of investment options for their 401(k) contributions.
What is the vesting schedule for the company match in the 401(k) plan at Topgolf Callaway Brands?
The vesting schedule for the company match at Topgolf Callaway Brands generally follows a standard schedule, which may vary based on tenure.
Are there any fees associated with the 401(k) plan at Topgolf Callaway Brands?
Yes, there may be administrative fees associated with the 401(k) plan at Topgolf Callaway Brands, which are disclosed in the plan documents.
How often can employees at Topgolf Callaway Brands change their contribution amounts to the 401(k) plan?
Employees at Topgolf Callaway Brands can typically change their contribution amounts on a quarterly basis.
What happens to the 401(k) plan if an employee leaves Topgolf Callaway Brands?
If an employee leaves Topgolf Callaway Brands, they have several options for their 401(k) plan, including rolling it over to another retirement account or cashing it out.
Does Topgolf Callaway Brands offer educational resources about the 401(k) plan?
Yes, Topgolf Callaway Brands provides educational resources and workshops to help employees understand their 401(k) plan options.
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