Clark Beverage Group Holdings, Inc.

Oakland, KY Wholesale tradeNAICS 423990

Self-funded health planPlan year 2025Renews January
865Participants+2% vs. prior year
$2.1MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#6 of 10Wholesale trade in KYBy participants

Overview

Clark Beverage Group Holdings, Inc. sponsors a self-funded health plan that covered 865 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, short-term disability, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
865 · prior year 852
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
C.c. Clark, Inc. Health and Welfare Benefit Plan, plan 505 (865 participants)
Stop-loss carrier
Berkley Life and Health Insurance Co.
Broker compensation
$206K 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
Hartford Life and AccidentLife, Short-term disability, Long-term disability1,144$981K$166K
Delta Dental of KentuckyDental1,448$310K$33K
Berkley Life and Health Insurance Co.Stop-loss871$190K—
Fidelity Security LifeVision1,320$74K$7K

Pharmacy benefit estimate

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

$2.1M/ year

Estimated prescription spend: 865 participants × $2,371 national average per member. Usually higher once dependents are counted.

$53K–$131K/ year

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

Brands with a generic available$16K–$39K
Lower-cost therapeutic alternatives$23K–$48K
Generic pricing vs. actual cost$10K–$30K
PBM contract terms$5K–$15K
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
Clark Beverage Group Holdings, Inc.
Sponsor EIN
64-0315032
Plan number
505
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 64-0315032 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
C. C. Clark, Inc. 401(k) Plan
Type
401(k) plan
Participants
1,697

About this data

Source: Clark Beverage Group Holdings, 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 Clark Beverage Group Holdings, Inc..

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