Bank of Stockton

Stockton, CA Finance & insuranceNAICS 522110

Self-funded health planPlan year 2025Renews January
593Participants0% vs. prior year
$1.4MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#21 of 22Finance & insurance in CABy participants

Overview

Bank of Stockton sponsors a self-funded health plan that covered 593 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, long-term disability.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
593 · prior year 593
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Bank of Stockton Group Health Plan, plan 504 (593 participants)
Broker compensation
$25K across insured contracts
MedicalLife insuranceDentalVisionLong-term disability

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Life Insurance Company of North AmericaAccidental Death & Dismemberment, Life, Long-term disability1,025$209K$25K

Pharmacy benefit estimate

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

$1.4M/ year

Estimated prescription spend: 593 participants × $2,371 national average per member. Usually higher once dependents are counted.

$37K–$90K/ year

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

Brands with a generic available$11K–$27K
Lower-cost therapeutic alternatives$16K–$33K
Generic pricing vs. actual cost$7K–$20K
PBM contract terms$4K–$11K
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
Bank of Stockton
Sponsor EIN
94-0902780
Plan number
504
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 94-0902780 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Bank of Stockton 401(k) Plan and Trust
Type
401(k) plan
Participants
569

About this data

Source: Bank of Stockton'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 Bank of Stockton.

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