A.m. Castle & Co.

Oak Brook, IL Wholesale tradeNAICS 423500

Self-funded health planPlan year 2025Renews JanuaryCollectively bargained
685Participants+1% vs. prior year
$1.6MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#23 of 29Wholesale trade in ILBy participants

Overview

A.m. Castle & Co. sponsors a self-funded health plan that covered 685 participants in plan year 2025, about the same as the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, vision, short-term disability, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
685 · prior year 681
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
A.m. Castle & Co. Employee Welfare Benefits Plan, plan 501 (685 participants)
Stop-loss carrier
Cigna Health and Life Insurance Company
Broker compensation
$5K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityPrepaid legalLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.

CarrierCoverageCoveredPremiumBroker comp
Cigna Health and Life Insurance CompanyDental, HMO, Stop-loss839$909K—
Metropolitan Life Insurance CompanyLife, Short-term disability, Long-term disability, Critical Illness, Hospital Indemnity, Accident1,638$675K$4K
Kaiser Foundation Health Plan Inc.Medical, HMO86$532K—
Eyemed Vision CareVision830$51K—
MetLife Legal PlansLegal66$12K—
Curalinc HealthcareEAP489$11K—

Pharmacy benefit estimate

StreamRX estimate for a plan this size. Not based on this plan's claims.

$1.6M/ year

Estimated prescription spend: 685 participants × $2,371 national average per member. Usually higher once dependents are counted.

$42K–$104K/ year

Typical savings opportunity found in independent reviews of plans this size.

Brands with a generic available$12K–$31K
Lower-cost therapeutic alternatives$18K–$38K
Generic pricing vs. actual cost$8K–$23K
PBM contract terms$4K–$12K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning January 2028: semiannual PBM compensation reports and an annual audit right.

Form 5500 filing details

Filing
Form 5500 with Schedule A, plan year 2025
Plan sponsor
A.m. Castle & Co.
Sponsor EIN
36-0879160
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 36-0879160 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
A.m. Castle & Co. 401(k) Savings and Retirement Plan
Type
401(k) plan
Participants
979

About this data

Source: A.m. Castle & Co.'s Form 5500 filing for plan year 2025 and its Schedule A insurance reports, published by the U.S. Department of Labor. "Self-funded" means the filing reports benefits paid from employer assets or a trust, with no medical insurance contract or with a stop-loss contract. Pharmacy figures are StreamRX estimates based on national averages. StreamRX is not affiliated with A.m. Castle & Co..

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