B & R Stores, Inc.

Lincoln, NE RetailNAICS 445110

Self-funded health planPlan year 2025Renews January
674Participants-3% vs. prior year
$1.6MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#6 of 9Retail in NEBy participants

Overview

B & R Stores, Inc. sponsors a self-funded health plan that covered 674 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
674 · prior year 698
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
B & R Stores Group Health Plan, plan 502 (674 participants)
Broker compensation
$60K 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
The Lincoln National Life Insurance CompanyLong-term disability, Short-term disability1,062$298K$28K
Unum Life Insurance Company of AmericaLife635$148K$24K
Ameritas Life Insurance Corp.Vision1,280$76K$9K

Pharmacy benefit estimate

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

$1.6M/ year

Estimated prescription spend: 674 participants × $2,371 national average per member. Usually higher once dependents are counted.

$42K–$102K/ year

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

Brands with a generic available$12K–$30K
Lower-cost therapeutic alternatives$18K–$37K
Generic pricing vs. actual cost$8K–$23K
PBM contract terms$4K–$12K
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
B & R Stores, Inc.
Sponsor EIN
47-0531640
Plan number
502
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 47-0531640 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
B&r Stores, Inc. 401(k) Plan
Type
401(k) plan
Participants
1,765

About this data

Source: B & R Stores, 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 B & R Stores, Inc..

Request a correction · Methodology