Commercial Tire Inc.

Meridian, ID RetailNAICS 441300

Self-funded health planPlan year 2025Renews January
535Participants-21% vs. prior year
$1.3MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#7 of 7Retail in IDBy participants

Overview

Commercial Tire Inc. sponsors a self-funded health plan that covered 535 participants in plan year 2025, down 21% 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
535 · prior year 676
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Commercial Tire Inc. Employee Welfare Benefit Plan, plan 501 (535 participants)
Broker compensation
$57K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Prudential Insurance Company of AmericaLife, Short-term disability625$276K$54K
Vision Service PlanVision437$50K$3K
CanopyEmployee Assistance Program676$11K—

Pharmacy benefit estimate

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

$1.3M/ year

Estimated prescription spend: 535 participants × $2,371 national average per member. Usually higher once dependents are counted.

$33K–$81K/ year

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

Brands with a generic available$10K–$24K
Lower-cost therapeutic alternatives$14K–$29K
Generic pricing vs. actual cost$6K–$18K
PBM contract terms$3K–$10K
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
Commercial Tire Inc.
Sponsor EIN
82-0289818
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 82-0289818 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Commercial Tire, Inc. Profit Sharing 401(k) Plan
Type
401(k) plan
Participants
788

About this data

Source: Commercial Tire 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 Commercial Tire Inc..

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