AW Chesterton Company

Groveland, MA ManufacturingNAICS 339900

Self-funded health planPlan year 2025Renews January
572Participants-2% vs. prior year
$1.4MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#46 of 48Manufacturing in MABy participants

Overview

AW Chesterton Company sponsors a self-funded health plan that covered 572 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, prepaid legal, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
572 · prior year 583
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
AW Chesterton Health & Welfare Plans, plan 506 (572 participants)
Broker compensation
$77K across insured contracts
MedicalLife insuranceDentalVisionPrepaid legalLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Prudential Insurance Company of AmericaLife, Long-term disability578$516K$60K
Continental American Insurance CompanyAccident, Critical Illness, Hospital Ind164$81K$10K
Fidelity Security Life Insurance CompanyVision750$52K$5K
Arag Insurance CompanyLegal94$13K$1K
Federal Insurance CompanyAccidental Death and Dismemberment, Busi567$3K$849

Pharmacy benefit estimate

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

$1.4M/ year

Estimated prescription spend: 572 participants × $2,371 national average per member. Usually higher once dependents are counted.

$35K–$87K/ year

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

Brands with a generic available$10K–$26K
Lower-cost therapeutic alternatives$15K–$31K
Generic pricing vs. actual cost$7K–$20K
PBM contract terms$3K–$10K
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
AW Chesterton Company
Sponsor EIN
04-1173400
Plan number
506
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 04-1173400 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
A. W. Chesterton Company 401k Plan
Type
401(k) plan
Participants
930

About this data

Source: AW Chesterton Company'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 AW Chesterton Company.

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