Abercrombie & Fitch Co.

New Albany, OH RetailNAICS 448110

Self-funded health planPlan year 2025Renews January
49,048Participants+14% vs. prior year
$116.3MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#1 of 31Retail in OHBy participants

Overview

Abercrombie & Fitch Co. sponsors a self-funded health plan that covered 49,048 participants in plan year 2025, up 14% from 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
49,048 · prior year 43,125
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Abercrombie & Fitch Co. Health Benefits Plan, plan 501 (49,048 participants)
Stop-loss carrier
Aetna Life Insurance Co.
Broker compensation
$199K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Aetna Life Insurance Co.Stop-loss3,278$1.1M$113K
Lincoln National Life Insurance CompanyLife, Long-term disability4,722$1.0M$60K
Eyemed Vision CareVision4,929$196K—
Zurich American Insurance CompanyAccideental Death and Dismemberment30,950$20K$3K
Health and Human Resource CentEmployee Assistance Program - Calif460$7K—

Pharmacy benefit estimate

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

$116.3M/ year

Estimated prescription spend: 49,048 participants × $2,371 national average per member. Usually higher once dependents are counted.

$3.0M–$7.5M/ year

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

Brands with a generic available$884K–$2.2M
Lower-cost therapeutic alternatives$1.3M–$2.7M
Generic pricing vs. actual cost$558K–$1.7M
PBM contract terms$291K–$872K
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
Abercrombie & Fitch Co.
Sponsor EIN
31-1469076
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 31-1469076 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Abercrombie & Fitch Co. Savings and Retirement Plan
Type
401(k) plan
Participants
50,792

About this data

Source: Abercrombie & Fitch 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 Abercrombie & Fitch Co..

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