DFS Holding Company, Inc.

Vernon Hills, IL Wholesale tradeNAICS 423800

Self-funded health planPlan year 2025Renews January
566Participants+1% vs. prior year
$1.3MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#27 of 29Wholesale trade in ILBy participants

Overview

DFS Holding Company, Inc. sponsors a self-funded health plan that covered 566 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
566 · prior year 562
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
DFS Holding Company, Inc. Welfare Benefit Plan, plan 504 (566 participants)
Broker compensation
$15K 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
Cigna Health and Life Insurance Company and AffiliatesDental360$284K—
Unum Life Insurance Company of AmericaLife, Short-term disability, Long-term disability536$200K$8K
Reliastar Life Insurance CompanyAccident, Critical Illness91$35K$7K
National Vision Administrators, L.l.c.Vision578$24K—

Pharmacy benefit estimate

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

$1.3M/ year

Estimated prescription spend: 566 participants × $2,371 national average per member. Usually higher once dependents are counted.

$35K–$86K/ year

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

Brands with a generic available$10K–$25K
Lower-cost therapeutic alternatives$15K–$31K
Generic pricing vs. actual cost$6K–$19K
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
DFS Holding Company, Inc.
Sponsor EIN
27-3895381
Plan number
504
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 27-3895381 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
DFS Holding Company, LLC 401(k) Plan
Type
401(k) plan
Participants
699

About this data

Source: DFS Holding Company, 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 DFS Holding Company, Inc..

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