Byrne Dairy, Inc.

Lafayette, NY AgricultureNAICS 112120

Self-funded health planPlan year 2025Renews January
1,406Participants+3% vs. prior year
$3.3MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#2 of 2Agriculture in NYBy participants

Overview

Byrne Dairy, Inc. sponsors a self-funded health plan that covered 1,406 participants in plan year 2025, up 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
1,406 · prior year 1,370
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Byrne Dairy, Inc. Group Hospital & Medical Insurance Plan, plan 503 (1,406 participants)
Stop-loss carrier
Berkley Life and Health Insurance Co.; HCC Life Insurance Company
Broker compensation
$185K 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
HCC Life Insurance CompanyStop-loss440$523K$78K
Berkley Life and Health Insurance Co.Stop-loss154$413K$62K
Mutual of Omaha Insurance CompanyAD&D, Short-term disability, Critical Illness Voluntary, Long-term disability, AD&D W/ Life, AD&D Voluntary1,340$225K$25K
Companion Life Insurance CompanyLife1,338$178K$20K
GuardianDental, Vision646$42K—

Pharmacy benefit estimate

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

$3.3M/ year

Estimated prescription spend: 1,406 participants × $2,371 national average per member. Usually higher once dependents are counted.

$87K–$214K/ year

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

Brands with a generic available$25K–$63K
Lower-cost therapeutic alternatives$37K–$77K
Generic pricing vs. actual cost$16K–$48K
PBM contract terms$8K–$25K
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
Byrne Dairy, Inc.
Sponsor EIN
15-0258780
Plan number
503
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 15-0258780 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Byrne Dairy, Inc. and Sonbyrne Sales, Inc. 401(k) Profit Sharing Plan
Type
401(k) plan
Participants
3,051

About this data

Source: Byrne Dairy, 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 Byrne Dairy, Inc..

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