Allen Distribution

Plainfield, PA Transportation & logisticsNAICS 493100

Self-funded health planPlan year 2025Renews January
991Participants+1% vs. prior year
$2.3MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#3 of 10Transportation & logistics in PABy participants

Overview

Allen Distribution sponsors a self-funded health plan that covered 991 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
991 · prior year 982
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Allen Distribution, plan 501 (991 participants)
Stop-loss carrier
Berkley Life and Health Insurance Co.
Broker compensation
$30K 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
Berkley Life and Health Insurance Co.Stop-loss618$717K—
Prudential Insurance Company of AmericaLife, Short-term disability, Long-term disability885$306K$27K
HeartlandVision535$47K$2K

Pharmacy benefit estimate

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

$2.3M/ year

Estimated prescription spend: 991 participants × $2,371 national average per member. Usually higher once dependents are counted.

$61K–$151K/ year

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

Brands with a generic available$18K–$45K
Lower-cost therapeutic alternatives$26K–$55K
Generic pricing vs. actual cost$11K–$34K
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
Allen Distribution
Sponsor EIN
25-1576445
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 25-1576445 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Allen Distribution 401(k) and Profit Sharing Plan
Type
401(k) plan
Participants
1,712

About this data

Source: Allen Distribution'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 Allen Distribution.

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