EG Retail (america) LLC

Westborough, MA RetailNAICS 447100

Self-funded health planPlan year 2025Renews January
17,759Participants-14% vs. prior year
$42.1MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#2 of 20Retail in MABy participants

Overview

EG Retail (america) LLC sponsors a self-funded health plan that covered 17,759 participants in plan year 2025, down 14% 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
17,759 · prior year 20,616
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
EG Retail Welfare Plan, plan 501 (17,759 participants)
Broker compensation
$66K 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
Sun Life Assurance Company of CanadaLife, Short-term disability, Long-term disability13,083$3.9M$64K
Eyemed Vision Care on Behalf of Fidelity Security Life Insurance Co.Vision6,317$440K—
National Union Fire Ins. Co. of Pittsburgh, PAAD&D & Paralysis9,393$12K$2K

Pharmacy benefit estimate

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

$42.1M/ year

Estimated prescription spend: 17,759 participants × $2,371 national average per member. Usually higher once dependents are counted.

$1.1M–$2.7M/ year

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

Brands with a generic available$320K–$800K
Lower-cost therapeutic alternatives$467K–$977K
Generic pricing vs. actual cost$202K–$606K
PBM contract terms$105K–$316K
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
EG Retail (america) LLC
Sponsor EIN
82-4682572
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 82-4682572 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
EG America Employee Savings Plan
Type
401(k) plan
Participants
20,327

About this data

Source: EG Retail (america) LLC'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 EG Retail (america) LLC.

Request a correction · Methodology