CPC Logistics Inc.

Chesterfield, MO Transportation & logisticsNAICS 488990

Self-funded health planPlan year 2025Renews January
2,894Participants-16% vs. prior year
$6.9MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#1 of 7Transportation & logistics in MOBy participants

Overview

CPC Logistics Inc. sponsors a self-funded health plan that covered 2,894 participants in plan year 2025, down 16% 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
2,894 · prior year 3,440
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
CPC Logistics Inc. Health & Welfare Plan, plan 501 (2,894 participants)
Broker compensation
$798K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityDeath benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
UnitedHealthcare Insurance CompanyShort-term disability, Long-term disability1,846$2.8M$680K
Unum Life Insurance Company of AmericaLife, Long-term disability2,364$1.1M$118K
Hartford Insurance GroupBusiness Travel Accident2,364——

Pharmacy benefit estimate

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

$6.9M/ year

Estimated prescription spend: 2,894 participants × $2,371 national average per member. Usually higher once dependents are counted.

$178K–$440K/ year

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

Brands with a generic available$52K–$130K
Lower-cost therapeutic alternatives$76K–$159K
Generic pricing vs. actual cost$33K–$99K
PBM contract terms$17K–$51K
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
CPC Logistics Inc.
Sponsor EIN
43-1412670
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 43-1412670 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
CPC Logistics, Inc. Employees 401(k) Retirement Plan
Type
401(k) plan
Participants
4,317

About this data

Source: CPC Logistics 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 CPC Logistics Inc..

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