Dayton Freight Lines, Inc.

Dayton, OH Transportation & logisticsNAICS 484120

Self-funded health planPlan year 2025Renews January
4,139Participants-7% vs. prior year
$9.8MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#5 of 23Transportation & logistics in OHBy participants

Overview

Dayton Freight Lines, Inc. sponsors a self-funded health plan that covered 4,139 participants in plan year 2025, down 7% 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
4,139 · prior year 4,469
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Dayton Freight Lines, Inc. Employee Health Benefit Plan, plan 502 (4,139 participants)
Broker compensation
$1.8M across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Reliastar Life Insurance CompanyLife, Short-term disability, Long-term disability12,144$9.0M$1.7M
The Guardian Life Insurance Company of AmericaDental, Short-term disability, Long-term disability3,804$2.7M$112K
Vision Service PlanVision3,512$964K—

Pharmacy benefit estimate

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

$9.8M/ year

Estimated prescription spend: 4,139 participants × $2,371 national average per member. Usually higher once dependents are counted.

$255K–$629K/ year

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

Brands with a generic available$75K–$186K
Lower-cost therapeutic alternatives$109K–$228K
Generic pricing vs. actual cost$47K–$141K
PBM contract terms$25K–$74K
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
Dayton Freight Lines, Inc.
Sponsor EIN
31-1000719
Plan number
502
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 31-1000719 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Dayton Freight Lines, Inc. Employee 401(k) Retirement Plan
Type
401(k) plan
Participants
6,545

About this data

Source: Dayton Freight Lines, 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 Dayton Freight Lines, Inc..

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