Chedraui USA, Inc.

Commerce, CA RetailNAICS 445110

Self-funded health planPlan year 2025Renews January
6,425Participants-3% vs. prior year
$15.2MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#3 of 20Retail in CABy participants

Overview

Chedraui USA, Inc. sponsors a self-funded health plan that covered 6,425 participants in plan year 2025, down 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
6,425 · prior year 6,602
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Chedraui USA, Inc. Texas Injury Benefit Plan, plan 512 (6,425 participants)
Broker compensation
$373K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Kaiser Foundation Health Plan, Inc.Medical, Prescription drug, HMO406$2.1M—
Unum Life Insurance Company of AmericaLife, Short-term disability, Long-term disability5,882$1.6M$108K
Health NetMedical, Prescription drug, HMO140$1.3M$64K
Unum Insurance CompanyCritical Illness, Accident, Hospital1,348$1.0M$167K
Blue Cross of CaliforniaMedical, Prescription drug, HMO, PPO43$667K—
Provident Life and Accident Insurance CompanyLife1,271$454K$34K

Pharmacy benefit estimate

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

$15.2M/ year

Estimated prescription spend: 6,425 participants × $2,371 national average per member. Usually higher once dependents are counted.

$396K–$976K/ year

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

Brands with a generic available$116K–$289K
Lower-cost therapeutic alternatives$169K–$353K
Generic pricing vs. actual cost$73K–$219K
PBM contract terms$38K–$114K
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
Chedraui USA, Inc.
Sponsor EIN
95-4517472
Plan number
512
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 95-4517472 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Bodega Latina 401(k) Retirement and Savings Plan
Type
401(k) plan
Participants
9,227

About this data

Source: Chedraui USA, 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 Chedraui USA, Inc..

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