Church Brothers, LLC

Salinas, CA AgricultureNAICS 111900

Self-funded health planPlan year 2025Renews January
666Participants+17% vs. prior year
$1.6MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#9 of 12Agriculture in CABy participants

Overview

Church Brothers, LLC sponsors a self-funded health plan that covered 666 participants in plan year 2025, up 17% 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
666 · prior year 569
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Church Brothers Health and Welfare Plan, plan 502 (666 participants)
Broker compensation
$78K 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
The Guardian Life Insurance Company of AmericaDental, Vision, Life, Long-term disability666$749K$75K

Pharmacy benefit estimate

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

$1.6M/ year

Estimated prescription spend: 666 participants × $2,371 national average per member. Usually higher once dependents are counted.

$41K–$101K/ year

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

Brands with a generic available$12K–$30K
Lower-cost therapeutic alternatives$18K–$37K
Generic pricing vs. actual cost$8K–$23K
PBM contract terms$4K–$12K
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
Church Brothers, LLC
Sponsor EIN
77-0501879
Plan number
502
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 77-0501879 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Church Brothers, LLC 401(k) Plan
Type
401(k) plan
Participants
1,964

About this data

Source: Church Brothers, 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 Church Brothers, LLC.

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