Breakthru Beverage Group, LLC

New York, NY Wholesale tradeNAICS 424800

Self-funded health planPlan year 2025Renews January
4,967Participants0% vs. prior year
$11.8MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#3 of 24Wholesale trade in NYBy participants

Overview

Breakthru Beverage Group, LLC sponsors a self-funded health plan that covered 4,967 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, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
4,967 · prior year 4,976
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Breakthru Beverage Group Benefits Plan, plan 501 (4,967 participants); Breakthru Beverage Group Employee Benefits Plan for Az,il,mn,nv,wi Health Benefits Plan, plan 502 (1,664 participants); Breakthru Beverage Employee Benefits Plan for Minnesota Beer Local 792 Health Benefits Plan, plan 509 (228 participants); Breakthru Beverage Employee Benefits Plan for Colorado Local 455 Health Benefits Plan, plan 506 (186 participants)
Broker compensation
$8K across insured contracts
MedicalLife insuranceDentalVisionLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
First Reliance Standard Life Insurance CompanyLong-term disability, Life, Accidental Death and Dismemberment4,967$2.8M—
Eyemed Vision CareVision3,552$566K—
Zurich American Insurance CompanyBusiness Travel Accident4,114$40K$8K

Pharmacy benefit estimate

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

$11.8M/ year

Estimated prescription spend: 4,967 participants × $2,371 national average per member. Usually higher once dependents are counted.

$306K–$755K/ year

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

Brands with a generic available$90K–$224K
Lower-cost therapeutic alternatives$131K–$273K
Generic pricing vs. actual cost$57K–$170K
PBM contract terms$29K–$88K
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
Breakthru Beverage Group, LLC
Sponsor EIN
35-2545107
Plan numbers
501, 502, 509, 506
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 35-2545107 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Breakthru Beverage Group 40 L(k) Plan
Type
401(k) plan
Participants
9,486

About this data

Source: Breakthru Beverage Group, 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 Breakthru Beverage Group, LLC.

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