Cavender Brothers Management

San Antonio, TX RetailNAICS 441110

Self-funded health planPlan year 2024Renews April
653ParticipantsFirst year on file
$1.5MEst. pharmacy spend / yrParticipants × national avg.
Apr 2027Next renewalPlan year begins April 1
#54 of 64Retail in TXBy participants

Overview

Cavender Brothers Management sponsors a self-funded health plan that covered 653 participants in plan year 2024. The plan year starts in April. 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
653
Plan year
Begins April 1 · next renewal April 2027
Health plans filed
Cavender Auto Group Health Plan, plan 501 (653 participants)
Broker compensation
$74K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityPrepaid legalLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Starmount Life Insurance CompanyDental, Vision407$194K$26K
Unum Life Insurance Company of AmericaLife, Short-term disability, Long-term disability653$192K$35K
Unum Insurance CompanyAccident, Critical Illness, Hospital107$55K$13K
MetLife Legal PlansLegal39$9K$960

Pharmacy benefit estimate

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

$1.5M/ year

Estimated prescription spend: 653 participants × $2,371 national average per member. Usually higher once dependents are counted.

$40K–$99K/ year

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

Brands with a generic available$12K–$29K
Lower-cost therapeutic alternatives$17K–$36K
Generic pricing vs. actual cost$7K–$22K
PBM contract terms$4K–$12K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning April 2028: semiannual PBM compensation reports and an annual audit right.

Form 5500 filing details

Filing
Form 5500 with Schedule A, plan year 2024
Plan sponsor
Cavender Brothers Management
Sponsor EIN
91-2024058
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 91-2024058 in the Department of Labor's EFAST2 Form 5500 search.

About this data

Source: Cavender Brothers Management's Form 5500 filing for plan year 2024 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 Cavender Brothers Management.

Request a correction · Methodology