Aaron's Inc.

Atlanta, GA RetailNAICS 442110

Self-funded health planPlan year 2025Renews January
1,034Participants+4% vs. prior year
$2.5MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#13 of 19Retail in GABy participants

Overview

Aaron's Inc. sponsors a self-funded health plan that covered 1,034 participants in plan year 2025, up 4% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports short-term disability, long-term disability, death benefits.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
1,034 · prior year 997
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Aaron's, Inc. Work Related Injury Benefit Plan, plan 503 (1,034 participants)
MedicalShort-term disabilityLong-term disabilityDeath benefits

Pharmacy benefit estimate

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

$2.5M/ year

Estimated prescription spend: 1,034 participants × $2,371 national average per member. Usually higher once dependents are counted.

$64K–$157K/ year

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

Brands with a generic available$19K–$47K
Lower-cost therapeutic alternatives$27K–$57K
Generic pricing vs. actual cost$12K–$35K
PBM contract terms$6K–$18K
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
Aaron's Inc.
Sponsor EIN
58-0687630
Plan number
503
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 58-0687630 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Aaron's 401(k) Retirement Plan
Type
401(k) plan
Participants
8,923

About this data

Source: Aaron's Inc.'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 Aaron's Inc..

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