Arapahoe Motors, Inc.

Highlands Ranch, CO RetailNAICS 441110

Self-funded health planPlan year 2025Renews January
996Participants+5% vs. prior year
$2.4MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#8 of 11Retail in COBy participants

Overview

Arapahoe Motors, Inc. sponsors a self-funded health plan that covered 996 participants in plan year 2025, up 5% 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
996 · prior year 952
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Arapahoe Motors, Inc. DBA Schomp Wallace Automotive Group Health and Welfare Plan, plan 501 (996 participants)
Stop-loss carrier
UnitedHealthcare Insurance Company
Broker compensation
$74K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
UnitedHealthcare Insurance CompanyLife, Short-term disability, Long-term disability, Medical, Dental, Vision, Stop-loss1,154$3.3M$74K

Pharmacy benefit estimate

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

$2.4M/ year

Estimated prescription spend: 996 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
Arapahoe Motors, Inc.
Sponsor EIN
84-0007295
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 84-0007295 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Arapahoe Motors, Inc. DBA Ralph Schomp Honda, Inc. 401(k) Plan
Type
401(k) plan
Participants
2,216

About this data

Source: Arapahoe Motors, 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 Arapahoe Motors, Inc..

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