Bell Ford (the Berge Group)

Phoenix, AZ RetailNAICS 441110

Self-funded health planPlan year 2025Renews February
863Participants+21% vs. prior year
$2.0MEst. pharmacy spend / yrParticipants × national avg.
Feb 2027Next renewalPlan year begins February 1
#12 of 14Retail in AZBy participants

Overview

Bell Ford (the Berge Group) sponsors a self-funded health plan that covered 863 participants in plan year 2025, up 21% from the prior year. The plan year starts in February. 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
863 · prior year 711
Plan year
Begins February 1 · next renewal February 2027
Health plans filed
Bell Ford (the Berge Group) Employee Benefits Plan, plan 501 (863 participants)
Broker compensation
$68K 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
Metropolitan Life Insurance CompanyDental699$255K$29K
United of Omaha Life Insurance CompanyLife, Short-term disability, Long-term disability744$217K$36K
Eyemed Vision Care on Behalf of the Fidelity Security Life Ins CompanyVision1,045$38K$4K

Pharmacy benefit estimate

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

$2.0M/ year

Estimated prescription spend: 863 participants × $2,371 national average per member. Usually higher once dependents are counted.

$53K–$131K/ year

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

Brands with a generic available$16K–$39K
Lower-cost therapeutic alternatives$23K–$47K
Generic pricing vs. actual cost$10K–$29K
PBM contract terms$5K–$15K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning February 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
Bell Ford (the Berge Group)
Sponsor EIN
86-0372486
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 86-0372486 in the Department of Labor's EFAST2 Form 5500 search.

About this data

Source: Bell Ford (the Berge Group)'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 Bell Ford (the Berge Group).

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