American Bulk Commodities Inc.

Youngstown, OH Transportation & logisticsNAICS 484120

Self-funded health planPlan year 2025Renews January
763Participants-3% vs. prior year
$1.8MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#16 of 23Transportation & logistics in OHBy participants

Overview

American Bulk Commodities Inc. sponsors a self-funded health plan that covered 763 participants in plan year 2025, down 3% 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
763 · prior year 785
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
American Bulk Commodities Inc. Health and Welfare Plan, plan 501 (763 participants)
Broker compensation
$163K 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
United of Omaha Life Insurance CompanyAccident, Critical Illness, Hospital Indemnity, Life, VOL Life/add, VOL Ltd, VOL. STD763$889K$143K
Ameritas Life Insurance Corp.Dental, Vision1,243$208K$21K

Pharmacy benefit estimate

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

$1.8M/ year

Estimated prescription spend: 763 participants × $2,371 national average per member. Usually higher once dependents are counted.

$47K–$116K/ year

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

Brands with a generic available$14K–$34K
Lower-cost therapeutic alternatives$20K–$42K
Generic pricing vs. actual cost$9K–$26K
PBM contract terms$5K–$14K
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
American Bulk Commodities Inc.
Sponsor EIN
34-1336167
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 34-1336167 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
American Bulk Commodities Retirement Savings Plan
Type
401(k) plan
Participants
969

About this data

Source: American Bulk Commodities 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 American Bulk Commodities Inc..

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