Empire Today LLC

Northlake, IL RetailNAICS 442210

Self-funded health planPlan year 2025Renews January
1,687Participants+1% vs. prior year
$4.0MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#7 of 19Retail in ILBy participants

Overview

Empire Today LLC sponsors a self-funded health plan that covered 1,687 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, long-term disability, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
1,687 · prior year 1,666
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Empire Today LLC Benefit Plan, plan 501 (1,687 participants)
Broker compensation
$90K across insured contracts
MedicalLife insuranceDentalVisionLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Reliastar Life Insurance CompanyLife, Long-term disability1,712$390K$34K
Cigna Health and Life Insurance CompanyAccident, Critical Illness, Hospital Indemnity1,410$211K$47K
Eyemed Vision Care on Behalf of Fidelity Security Life Insurance Co.Vision1,715$94K$9K

Pharmacy benefit estimate

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

$4.0M/ year

Estimated prescription spend: 1,687 participants × $2,371 national average per member. Usually higher once dependents are counted.

$104K–$256K/ year

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

Brands with a generic available$30K–$76K
Lower-cost therapeutic alternatives$44K–$93K
Generic pricing vs. actual cost$19K–$58K
PBM contract terms$10K–$30K
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
Empire Today LLC
Sponsor EIN
36-4281606
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 36-4281606 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Empire Today, LLC 401(k) Profit Sharing Plan
Type
401(k) plan
Participants
2,143

About this data

Source: Empire Today 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 Empire Today LLC.

Request a correction · Methodology