ATS Operating, LLC

Irondale, AL RetailNAICS 453990

Self-funded health planPlan year 2025Renews January
1,194Participants+5% vs. prior year
$2.8MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#2 of 5Retail in ALBy participants

Overview

ATS Operating, LLC sponsors a self-funded health plan that covered 1,194 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
1,194 · prior year 1,142
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
ATS Operating, LLC Employee Benefits Plan, plan 501 (1,194 participants)
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
United of Omaha Life Insurance CompanyShort-term disability, Life, Long-term disability, Accident1,194$288K$56K
National Guardian Life Insurance CompanyDental668$125K$12K
Vision Service PlanVision417$54K$5K

Pharmacy benefit estimate

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

$2.8M/ year

Estimated prescription spend: 1,194 participants × $2,371 national average per member. Usually higher once dependents are counted.

$74K–$181K/ year

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

Brands with a generic available$22K–$54K
Lower-cost therapeutic alternatives$31K–$66K
Generic pricing vs. actual cost$14K–$41K
PBM contract terms$7K–$21K
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
ATS Operating, LLC
Sponsor EIN
63-0889019
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 63-0889019 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
America's Thrift Store 401(k) Retirement Plan
Type
401(k) plan
Participants
2,130

About this data

Source: ATS Operating, LLC'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 ATS Operating, LLC.

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